Civic Intelligence

Adm Credit Union

990 • Fiscal year 2015 • EIN 37-0769914

Jan 01, 2015 to Dec 31, 2015 • Filed on May 06, 2016

Organization ProfileWWW.ADMCU.COM

View Organization Page

3735 E William Street RoadDecatur, IL 62521

(217) 422-3966

Siviq Scores

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

Liabilities / Assets

36th percentile

0.84x

Higher debt load relative to assets than 36% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

32nd percentile

16.93x

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

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

87th percentile

17%

Higher net margin than 87% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

66th percentile

$83,123

Higher top officer pay than 66% of similar nonprofits.

Top officer pay equals 10.5% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

16th percentile

-1.8%

Faster asset growth than 16% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

57th percentile

1.6%

Faster revenue growth than 57% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets36th percentile

Assets

Down

$15,931,809

Down $289,635 (-1.8%) from 2014

Net Assets

Up

$2,527,941

Up $163,745 (+6.9%) from 2014

Liabilities

Down

$13,403,868

Down $453,380 (-3.3%) from 2014

Revenue And Expenses
Liabilities / Revenue32nd percentileNet Margin87th percentile

Revenue

Up

$791,528

Up $12,092 (+1.6%) from 2014

Expenses

Down

$653,405

Down $13,504 (-2.0%) from 2014

Net Income

Up

$138,123

Up $25,596 (+23%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth16th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $15,274,605Liabilities 2010: $12,724,492Net Assets 2010: $2,550,1132010Assets 2011: $16,485,586Liabilities 2011: $13,988,710Net Assets 2011: $2,496,8762011Assets 2012: $16,689,873Liabilities 2012: $14,496,773Net Assets 2012: $2,193,1002012Assets 2013: $16,329,863Liabilities 2013: $14,068,236Net Assets 2013: $2,261,6272013Assets 2014: $16,221,444Liabilities 2014: $13,857,248Net Assets 2014: $2,364,1962014Assets 2015: $15,931,809Liabilities 2015: $13,403,868Net Assets 2015: $2,527,9412015Assets 2016: $16,735,495Liabilities 2016: $14,190,988Net Assets 2016: $2,544,5072016Assets 2017: $16,331,041Liabilities 2017: $13,736,144Net Assets 2017: $2,594,8972017Assets 2018: $15,800,565Liabilities 2018: $13,194,302Net Assets 2018: $2,606,2632018Assets 2019: $14,843,608Liabilities 2019: $12,144,311Net Assets 2019: $2,699,2972019Assets 2020: $16,285,952Liabilities 2020: $13,662,626Net Assets 2020: $2,623,3262020Assets 2021: $16,716,495Liabilities 2021: $14,137,641Net Assets 2021: $2,578,8542021Assets 2022: $0Liabilities 2022: $0Net Assets 2022: $02022

Highlighted filing

2015

Assets$15,931,809
Liabilities$13,403,868
Net Assets$2,527,941
Open 2015 Filing

Operations Trend

Revenue Growth57th percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $781,0792010Expenses 2011: $847,7912011Expenses 2012: $1,045,8622012Revenue 2013: $791,621Expenses 2013: $776,272Net Income 2013: $15,3492013Revenue 2014: $779,436Expenses 2014: $666,909Net Income 2014: $112,5272014Revenue 2015: $791,528Expenses 2015: $653,405Net Income 2015: $138,1232015Revenue 2016: $798,932Expenses 2016: $687,545Net Income 2016: $111,3872016Revenue 2017: $804,924Expenses 2017: $760,879Net Income 2017: $44,0452017Revenue 2018: $827,673Expenses 2018: $838,029Net Income 2018: -$10,3562018Revenue 2019: $891,317Expenses 2019: $796,424Net Income 2019: $94,8932019Revenue 2020: $831,646Expenses 2020: $830,765Net Income 2020: $8812020Revenue 2021: $795,427Expenses 2021: $839,417Net Income 2021: -$43,9902021Revenue 2022: $178,439Expenses 2022: $192,992Net Income 2022: -$14,5532022

Highlighted filing

2015

Revenue$791,528
Expenses$653,405
Net Income$138,123
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 6, 2016
Return Version
2015v2.1
Gross Receipts
$791,528
Mission and Program Overview

Mission

CREDIT UNION

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,591,981$9,573,954▲ $981,973
Investments in Publicly Traded Securities$2,864,000$3,260,000▲ $396,000
Rtn Earn Endowment Incm Other Fnds$2,364,196$2,527,941▲ $163,745
Savings and Temporary Cash Investments$4,342,821$2,002,559▼ $2,340,262
Cash and Non-Interest-Bearing Accounts$133,607$826,018▲ $692,411
Land, Buildings, and Equipment, Net$83,601$72,993▼ $10,608
Prepaid Expenses and Deferred Charges$44,635$36,165▼ $8,470
Total Assets$16,221,444$15,931,809▼ $289,635
Other Assets Total$160,799$160,120▼ $679
Liabilities
Other Liabilities$13,707,170$13,325,785▼ $381,385
Accounts Payable and Accrued Expenses$150,078$78,083▼ $71,995
Total Liabilities$13,857,248$13,403,868▼ $453,380
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,364,196$2,527,941▲ $163,745
Total Liabilities and Net Assets / Fund Balance$16,221,444$15,931,809▼ $289,635

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$32,993$158,856$191,849
Land$40,000-$40,000
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ann WildmanManager/treasurerFT$61,201$21,922$83,123

Board Members and Trustees

NameTitle
Nick CharveronChairman
Kevin BesserSupervisory Chair
Chad MooreDirector
Donna AvelinoDirector
Marcee PlaceDirector
Matt PhilipsDirector
Patricia CainDirector
Mike FleckensteinSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$728,123
Investment Income
$63,036
Other Revenue
$369
Change in Net Assets
$138,123
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$361,495
Salaries, Compensation, and Employee Benefits$291,910
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$118,657
Current Officers, Directors, Trustees, and Key Employees---$83,123
Office Expenses---$62,168
Pension Plan Contributions---$45,789
Other Expenses---$45,000
Occupancy---$35,678
Other Employee Benefits---$30,476
Information Technology---$30,454
Depreciation Depletion---$30,331
Fees for Services Accounting---$18,316
Payroll Taxes---$13,865
Insurance---$12,214
Advertising---$8,463
Conferences and Meetings---$5,235
Travel---$2,777
All Other Expenses---$2,418
Fees for Services Other---$2,050
Total Functional Expenses$0$0$0$653,405
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES AND SAVINGS ACCOUNT$13,325,785
Governance and Compliance

Governance Checklist

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

Filer

Filer Name
Adm Credit Union
EIN
37-0769914
Phone
2174223966
Address
3735 E WILLIAM STREET ROAD, DECATUR, IL 62521

Signing Officer

Name
Ann Wildman
Title
President
Phone
2174223966
Signed
2016-05-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ann Wildman
Formed
1941
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
8
Employees
6
Volunteers
8

Preparer

Firm
Lmhn Ltd
Address
900 N Webster St PO Box 87, Taylorville, IL 62568
Preparer
Iris Noblet Crites
Phone
2178249661
Supplemental Narrative

Additional Explanations

Pt VI, Line 4

“The credit union amended its by-laws to decrease the”

Pt VI, Line 4

“Number of members on the membership committee.”

Pt VI, Line 6

“The credit union is a member owned finacial institution.”

Pt VI, Line 7A

“The governing body is elected from and by the membership”

Pt VI, Line 7A

“ANNUALLY.”

Pt VI, Line 7B

“From time to time, certain decisions will be presented to”

Pt VI, Line 7B

“The membership for a vote, which are determined on a case”

Pt VI, Line 7B

“BY CASE BASIS.”

Pt VI, Line 11B

“Copies of the final form 990 and schedules were made”

Pt VI, Line 11B

“Available to each board member prior to being filed with”

Pt VI, Line 11B

“The irs. Board members were asked to review the return”

Pt VI, Line 11B

“Individually and to contact the return preparer, other”

Pt VI, Line 11B

“Board members, or executive officers with any questions”

Pt VI, Line 11B

“OR CONCERNS.”

Pt VI, Line 12C

“The credit union enforces the conflict of interest policy”

Pt VI, Line 12C

“Through review of the policy and awareness.”

Pt VI, Line 19

“The credit union's governing documents, conflict of”

Pt VI, Line 19

“Interest policy and financial statements are available to”

Pt VI, Line 19

“THE PUBLIC UPON REQUEST.”

Form 990, Part IX, Line 24F

“MISCELLANEOUS 2418.”

Raw XML Appendix364 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION AMENDED ITS BY-LAWS TO DECREASE THE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NUMBER OF MEMBERS ON THE MEMBERSHIP COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS A MEMBER OWNED FINACIAL INSTITUTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE GOVERNING BODY IS ELECTED FROM AND BY THE MEMBERSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FROM TIME TO TIME, CERTAIN DECISIONS WILL BE PRESENTED TO
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE MEMBERSHIP FOR A VOTE, WHICH ARE DETERMINED ON A CASE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7BY CASE BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8COPIES OF THE FINAL FORM 990 AND SCHEDULES WERE MADE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9AVAILABLE TO EACH BOARD MEMBER PRIOR TO BEING FILED WITH
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10THE IRS. BOARD MEMBERS WERE ASKED TO REVIEW THE RETURN
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11INDIVIDUALLY AND TO CONTACT THE RETURN PREPARER, OTHER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12BOARD MEMBERS, OR EXECUTIVE OFFICERS WITH ANY QUESTIONS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13OR CONCERNS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14THE CREDIT UNION ENFORCES THE CONFLICT OF INTEREST POLICY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15THROUGH REVIEW OF THE POLICY AND AWARENESS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16THE CREDIT UNION'S GOVERNING DOCUMENTS, CONFLICT OF
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE TO
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt18THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt19MISCELLANEOUS 2418.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc16Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc17Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc18Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc19Form 990, Part IX, Line 24f
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IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt015931809
IRS990/TotalAssetsGrp/BOYAmt016221444
IRS990/TotalAssetsGrp/EOYAmt015931809
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/TotalAmt0653405
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt013857248
IRS990/TotalLiabilitiesEOYAmt013403868
IRS990/TotalLiabilitiesGrp/BOYAmt013857248
IRS990/TotalLiabilitiesGrp/EOYAmt013403868
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02364196
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02527941
IRS990/TotalOtherCompensationAmt021922
IRS990/TotalProgramServiceRevenueAmt0728123
IRS990/TotalReportableCompFromOrgAmt061201
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0791528
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0791528
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt016221444
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt015931809
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt02777
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03735 E WILLIAM STREET ROAD
IRS990/USAddress/CityNm0DECATUR
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd062521
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.ADMCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-12-15 16:53:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ANN WILDMAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum02174223966
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ADM CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ADMC
ReturnHeader/Filer/EIN0370769914
ReturnHeader/Filer/PhoneNum02174223966
ReturnHeader/Filer/USAddress/AddressLine1Txt03735 E WILLIAM STREET ROAD
ReturnHeader/Filer/USAddress/CityNm0DECATUR
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd062521
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0LMHN LTD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0900 N Webster St PO Box 87
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Taylorville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd062568
ReturnHeader/PreparerPersonGrp/PhoneNum02178249661
ReturnHeader/PreparerPersonGrp/PreparationDt02016-05-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0IRIS NOBLET CRITES
ReturnHeader/ReturnTs02016-05-13T14:30:47-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$15,931,809
Liabilities
$13,403,868
Net assets
$2,527,941
Revenue
$791,528
Expenses
$653,405
Net income
$138,123
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.18$0.19$0.01
2021Detailed filing. Detailed filing data is available for this year.$16.7$14.1$2.58$0.80$0.84$0.04
2020Detailed filing. Detailed filing data is available for this year.$16.3$13.7$2.62$0.83$0.83$0.00
2019Detailed filing. Detailed filing data is available for this year.$14.8$12.1$2.70$0.89$0.80$0.09
2018Detailed filing. Detailed filing data is available for this year.$15.8$13.2$2.61$0.83$0.84$0.01
2017Detailed filing. Detailed filing data is available for this year.$16.3$13.7$2.59$0.80$0.76$0.04
2016Detailed filing. Detailed filing data is available for this year.$16.7$14.2$2.54$0.80$0.69$0.11
2015Detailed filing. Detailed filing data is available for this year.$15.9$13.4$2.53$0.79$0.65$0.14
2014Detailed filing. Detailed filing data is available for this year.$16.2$13.9$2.36$0.78$0.67$0.11
2013Detailed filing. Detailed filing data is available for this year.$16.3$14.1$2.26$0.79$0.78$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.7$14.5$2.19$1.05
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.5$14.0$2.50$0.85
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.3$12.7$2.55$0.78