Civic Intelligence

Adm Credit Union

990 • Fiscal year 2017 • EIN 37-0769914

Jan 01, 2017 to Dec 31, 2017 • Filed on May 07, 2018

Organization ProfileWWW.ADMCU.COM

View Organization Page

3695 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

37th percentile

0.84x

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

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

35th percentile

17.07x

Higher debt load relative to revenue than 35% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Net Margin

46th percentile

5.5%

Higher net margin than 46% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

79th percentile

$95,009

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 11.8% of source-year revenue.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Asset Growth

20th percentile

-2.4%

Faster asset growth than 20% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Revenue Growth

27th percentile

0.8%

Faster revenue growth than 27% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets37th percentile

Assets

Down

$16,331,041

Down $404,454 (-2.4%) from 2016

Net Assets

Up

$2,594,897

Up $50,390 (+2.0%) from 2016

Liabilities

Down

$13,736,144

Down $454,844 (-3.2%) from 2016

Revenue And Expenses
Liabilities / Revenue35th percentileNet Margin46th percentile

Revenue

Up

$804,924

Up $5,992 (+0.8%) from 2016

Expenses

Up

$760,879

Up $73,334 (+11%) from 2016

Net Income

Down

$44,045

Down $67,342 (-60%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth20th 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

2017

Assets$16,331,041
Liabilities$13,736,144
Net Assets$2,594,897
Open 2017 Filing

Operations Trend

Revenue Growth27th 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

2017

Revenue$804,924
Expenses$760,879
Net Income$44,045
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 7, 2018
Return Version
2017v2.2
Gross Receipts
$804,924
Mission and Program Overview

Mission

CREDIT UNION

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$9,797,395$10,089,895▲ $292,500
Rtn Earn Endowment Incm Other Fnds$2,544,507$2,594,897▲ $50,390
Investments in Publicly Traded Securities$2,710,000$2,365,000▼ $345,000
Savings and Temporary Cash Investments$3,024,014$2,213,072▼ $810,942
Land, Buildings, and Equipment, Net$94,114$797,315▲ $703,201
Cash and Non-Interest-Bearing Accounts$938,427$672,006▼ $266,421
Prepaid Expenses and Deferred Charges$17,935$34,101▲ $16,166
Total Assets$16,735,495$16,331,041▼ $404,454
Other Assets Total$153,610$159,652▲ $6,042
Liabilities
Other Liabilities$14,097,755$13,564,585▼ $533,170
Accounts Payable and Accrued Expenses$93,233$171,559▲ $78,326
Total Liabilities$14,190,988$13,736,144▼ $454,844
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,544,507$2,594,897▲ $50,390
Total Liabilities and Net Assets / Fund Balance$16,735,495$16,331,041▼ $404,454

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$670,150$9,440$679,590
Equipment$87,165$197,371$284,536
Land$40,000-$40,000
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ann WildmanTreasurerFT$67,356$27,653$95,009

Board Members and Trustees

NameTitle
Kevin BesserChairman
Patrick HeneghanVice Chairman
Chad MooreDirector
Christa JordanDirector
Matt HawkinsDirector
Matt PhilipsDirector
Patricia CainDirector
Nick CharveronSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$741,266
Investment Income
$63,616
Other Revenue
$42
Change in Net Assets
$44,045
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$405,952
Salaries, Compensation, and Employee Benefits$354,927
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$126,470
Office Expenses---$99,285
Current Officers, Directors, Trustees, and Key Employees---$95,009
Other Employee Benefits---$60,827
Pension Plan Contributions---$54,927
Occupancy---$49,527
Information Technology---$48,455
Depreciation Depletion---$23,357
Fees for Services Accounting---$19,000
Payroll Taxes---$17,694
Insurance---$16,258
Other Expenses---$15,000
Advertising---$7,440
All Other Expenses---$5,427
Conferences and Meetings---$4,641
Fees for Services Other---$2,869
Travel---$1,752
Fees for Services Legal---$-263
Total Functional Expenses$0$0$0$760,879
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$13,564,585
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
No
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
3695 E WILLIAM STREET ROAD, DECATUR, IL 62521

Signing Officer

Name
Ann Wildman
Title
President
Phone
2174223966
Signed
2018-05-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ann Wildman
Formed
1941
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
7
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 6

“The credit union is a member owned financial 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 24E

“MISCELLANEOUS”

Raw XML Appendix371 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 IS A MEMBER OWNED FINANCIAL INSTITUTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE GOVERNING BODY IS ELECTED FROM AND BY THE MEMBERSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FROM TIME TO TIME, CERTAIN DECISIONS WILL BE PRESENTED TO
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE MEMBERSHIP FOR A VOTE, WHICH ARE DETERMINED ON A CASE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BY CASE BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6COPIES OF THE FINAL FORM 990 AND SCHEDULES WERE MADE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7AVAILABLE TO EACH BOARD MEMBER PRIOR TO BEING FILED WITH
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE IRS. BOARD MEMBERS WERE ASKED TO REVIEW THE RETURN
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9INDIVIDUALLY AND TO CONTACT THE RETURN PREPARER, OTHER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10BOARD MEMBERS, OR EXECUTIVE OFFICERS WITH ANY QUESTIONS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11OR CONCERNS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12THE CREDIT UNION ENFORCES THE CONFLICT OF INTEREST POLICY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13THROUGH REVIEW OF THE POLICY AND AWARENESS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14THE CREDIT UNION'S GOVERNING DOCUMENTS, CONFLICT OF
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE TO
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17MISCELLANEOUS
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Pt VI, Line 11b
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 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc16Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc17Form 990, Part IX, Line 24e
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt016735495
IRS990/TotalAssetsEOYAmt016331041
IRS990/TotalAssetsGrp/BOYAmt016735495
IRS990/TotalAssetsGrp/EOYAmt016331041
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/TotalAmt0760879
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt014190988
IRS990/TotalLiabilitiesEOYAmt013736144
IRS990/TotalLiabilitiesGrp/BOYAmt014190988
IRS990/TotalLiabilitiesGrp/EOYAmt013736144
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02544507
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02594897
IRS990/TotalOtherCompensationAmt027653
IRS990/TotalProgramServiceRevenueAmt0741266
IRS990/TotalReportableCompFromOrgAmt067356
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0804924
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0804924
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt016735495
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt016331041
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt01752
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03695 E WILLIAM STREET ROAD
IRS990/USAddress/CityNm0DECATUR
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd062521
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.ADMCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ANN WILDMAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum02174223966
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-07
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ADM CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ADMC
ReturnHeader/Filer/EIN0370769914
ReturnHeader/Filer/PhoneNum02174223966
ReturnHeader/Filer/USAddress/AddressLine1Txt03695 E WILLIAM STREET ROAD
ReturnHeader/Filer/USAddress/CityNm0DECATUR
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd062521
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId04B2682D193EFB9362EF637751AA94427122DD046
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId09BC8A9ED3246B4657A50282BDD4082D9D5CEA101
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt072.9.116.36
ReturnHeader/FilingSecurityInformation/IPDt02018-05-15
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm005:49:34
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/PreparationDt02018-05-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0IRIS NOBLET CRITES
ReturnHeader/ReturnTs02018-05-15T05:51:00-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$16,331,041
Liabilities
$13,736,144
Net assets
$2,594,897
Revenue
$804,924
Expenses
$760,879
Net income
$44,045
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