Civic Intelligence

Illinois State Credit Union

990 • Fiscal year 2013 • EIN 37-0805312

Jan 01, 2013 to Dec 31, 2013 • Filed on May 08, 2014

Organization Profilewww.isu-cu.org

View Organization Page

1309 S Center St61761

(309) 451-8400

Siviq Scores

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

Liabilities / Assets

79th percentile

0.91x

Higher debt load relative to assets than 79% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

30th percentile

15.94x

Higher debt load relative to revenue than 30% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Net Margin

59th percentile

10%

Higher net margin than 59% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

84th percentile

$179,066

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 3.5% of source-year revenue.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Asset Growth

50th percentile

1.9%

Faster asset growth than 50% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M 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 / Assets79th percentile

Assets

Up

$89,973,242

Up $1,715,531 (+1.9%) from 2012

Net Assets

Up

$7,715,205

Up $308,202 (+4.2%) from 2012

Liabilities

Up

$82,258,037

Up $1,407,329 (+1.7%) from 2012

Revenue And Expenses
Liabilities / Revenue30th percentileNet Margin59th percentile

Revenue

$5,159,543

No earlier filing loaded for comparison.

Expenses

Down

$4,632,705

Down $99,817 (-2.1%) from 2012

Net Income

$526,838

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth50th percentile

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

$300M$200M$100M$0Assets 2010: $80,075,353Liabilities 2010: $73,926,090Net Assets 2010: $6,149,2632010Assets 2011: $83,372,976Liabilities 2011: $76,578,094Net Assets 2011: $6,794,8822011Assets 2012: $88,257,711Liabilities 2012: $80,850,708Net Assets 2012: $7,407,0032012Assets 2013: $89,973,242Liabilities 2013: $82,258,037Net Assets 2013: $7,715,2052013Assets 2014: $105,191,549Liabilities 2014: $96,078,480Net Assets 2014: $9,113,0692014Assets 2015: $109,965,513Liabilities 2015: $100,238,632Net Assets 2015: $9,726,8812015Assets 2016: $114,527,015Liabilities 2016: $103,990,578Net Assets 2016: $10,536,4372016Assets 2017: $119,884,360Liabilities 2017: $108,723,187Net Assets 2017: $11,161,1732017Assets 2018: $129,758,449Liabilities 2018: $117,401,969Net Assets 2018: $12,356,4802018Assets 2019: $138,941,185Liabilities 2019: $124,751,493Net Assets 2019: $14,189,6922019Assets 2020: $164,344,739Liabilities 2020: $148,251,359Net Assets 2020: $16,093,3802020Assets 2021: $197,404,498Liabilities 2021: $178,035,804Net Assets 2021: $19,368,6942021Assets 2022: $200,084,115Liabilities 2022: $179,418,862Net Assets 2022: $20,665,2532022Assets 2023: $205,398,895Liabilities 2023: $182,962,638Net Assets 2023: $22,436,2572023Assets 2024: $219,185,262Liabilities 2024: $195,354,403Net Assets 2024: $23,830,8592024

Highlighted filing

2013

Assets$89,973,242
Liabilities$82,258,037
Net Assets$7,715,205
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$15M$10M$5.0M$0Expenses 2010: $5,172,9532010Expenses 2011: $4,804,8012011Expenses 2012: $4,732,5222012Revenue 2013: $5,159,543Expenses 2013: $4,632,705Net Income 2013: $526,8382013Revenue 2014: $5,352,289Expenses 2014: $4,778,768Net Income 2014: $573,5212014Revenue 2015: $6,051,782Expenses 2015: $5,413,948Net Income 2015: $637,8342015Revenue 2016: $6,599,265Expenses 2016: $5,771,447Net Income 2016: $827,8182016Revenue 2017: $6,959,394Expenses 2017: $6,340,151Net Income 2017: $619,2432017Revenue 2018: $8,118,231Expenses 2018: $6,886,751Net Income 2018: $1,231,4802018Revenue 2019: $9,163,004Expenses 2019: $7,395,727Net Income 2019: $1,767,2772019Revenue 2020: $10,491,608Expenses 2020: $8,622,500Net Income 2020: $1,869,1082020Revenue 2021: $11,378,567Expenses 2021: $9,230,054Net Income 2021: $2,148,5132021Revenue 2022: $11,324,968Expenses 2022: $9,938,008Net Income 2022: $1,386,9602022Revenue 2023: $13,360,929Expenses 2023: $11,912,390Net Income 2023: $1,448,5392023Revenue 2024: $14,684,802Expenses 2024: $13,685,567Net Income 2024: $999,2352024

Highlighted filing

2013

Revenue$5,159,543
Expenses$4,632,705
Net Income$526,838
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 8, 2014
Return Version
2013v3.1
Gross Receipts
$5,159,543
Mission and Program Overview

Mission

The credit union is committed to providing

The credit union is committed to providing quality services and programs to meet the individual needs of members while preserving the financial stability and security of the organization.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$55,568,216$62,835,610▲ $7,267,394
Investments in Publicly Traded Securities$15,431,339$11,149,502▼ $4,281,837
Savings and Temporary Cash Investments$12,114,625$10,808,472▼ $1,306,153
Rtn Earn Endowment Incm Other Fnds$7,407,003$7,715,205▲ $308,202
Land, Buildings, and Equipment, Net$2,744,459$2,830,433▲ $85,974
Cash and Non-Interest-Bearing Accounts$842,561$788,120▼ $54,441
Prepaid Expenses and Deferred Charges$179,732$189,920▲ $10,188
Total Assets$88,257,711$89,973,242▲ $1,715,531
Other Assets Total$1,376,779$1,371,185▼ $5,594
Liabilities
Other Liabilities$80,542,480$81,984,566▲ $1,442,086
Accounts Payable and Accrued Expenses$308,228$273,471▼ $34,757
Total Liabilities$80,850,708$82,258,037▲ $1,407,329
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,407,003$7,715,205▲ $308,202
Total Liabilities and Net Assets / Fund Balance$88,257,711$89,973,242▲ $1,715,531

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,442,453$409,158$1,851,611
Equipment$499,567$535,862$1,035,429
Land$884,540-$884,540
Other Land Buildings$3,873$4,226$8,099
Leasehold Improvements-$975$975
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Thomas EwenPresidentFT$149,023$30,043$179,066
Alex FuentesExecutive VPFT$87,215$8,015$95,230

Board Members and Trustees

NameTitle
Larry QuaneChairperson
John HoronzyVice-chair/secretary
Hank CampbellDirector
Megan Devlin-pettyDirector
Michael FishDirector
Shirlee BottomleyDirector
Jp SchroederTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,885,985
Investment Income
$244,811
Other Revenue
$28,747
Change in Net Assets
$526,838
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,633,206
Salaries, Compensation, and Employee Benefits$1,999,499
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,278,578
Office Expenses---$842,512
Fees for Services Other---$331,646
Other Employee Benefits---$294,316
Current Officers, Directors, Trustees, and Key Employees---$274,296
Advertising---$180,536
Payroll Taxes---$152,309
Occupancy---$122,806
Travel---$44,096
Depreciation Depletion---$41,772
Other Expenses---$26,757
Total Functional Expenses$0$0$0$4,632,705
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
MEMBER'S SHARE ACCOUNTS$81,984,566
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
Yes
Management duties delegated
No
Filing and Contact Details

Filer

EIN
37-0805312
Phone
3094518400

Signing Officer

Name
Thom Ewen
Title
President
Phone
3094518400
Signed
2014-05-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Thom Ewen
Formed
1960
Legal Domicile
Il
Voting Board Members
7
Independent Board Members
7
Employees
55
Volunteers
7

Preparer

Preparer
Richard K Hooper
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 annually.”

Pt VI, Line 7B

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

Pt VI, Line 7B

“For a vote, which are then determined on a case by case basis.”

Pt VI, Line 11B

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

Pt VI, Line 11B

“Each board member prior to being filed with the irs. Board members”

Pt VI, Line 11B

“Were asked to review the return individually and to contact the return”

Pt VI, Line 11B

“Preparer, other board members, or executive officers with any”

Pt VI, Line 11B

“QUESTIONS OR CONCERNS.”

Pt VI, Line 19

“The credit union's governing documents and financial statements”

Pt VI, Line 19

“Are available to the public upon request.”

Raw XML Appendix346 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/OtherLandBuildingsGrp/DepreciationAmt04226
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt08099
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt081984566
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER'S SHARE ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02830433
IRS990ScheduleD/TotalLiabilityAmt081984566
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS A MEMBER OWNED FINANCIAL INSTITUTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE GOVERNING BODY IS ELECTED FROM AND BY THE MEMBERSHIP ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FROM TIME TO TIME, CERTAIN DECISIONS WILL BE PRESENTED TO THE MEMBERSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FOR A VOTE, WHICH ARE THEN DETERMINED ON A CASE BY CASE BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COPIES OF THE FINAL FORM 990 AND SCHEDULES WERE MADE AVAILABLE TO
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EACH BOARD MEMBER PRIOR TO BEING FILED WITH THE IRS. BOARD MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6WERE ASKED TO REVIEW THE RETURN INDIVIDUALLY AND TO CONTACT THE RETURN
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7PREPARER, OTHER BOARD MEMBERS, OR EXECUTIVE OFFICERS WITH ANY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8QUESTIONS OR CONCERNS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9THE CREDIT UNION'S GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Pt VI, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt088257711
IRS990/TotalAssetsEOYAmt089973242
IRS990/TotalAssetsGrp/BOYAmt088257711
IRS990/TotalAssetsGrp/EOYAmt089973242
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt055
IRS990/TotalFunctionalExpensesGrp/TotalAmt04632705
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt080850708
IRS990/TotalLiabilitiesEOYAmt082258037
IRS990/TotalLiabilitiesGrp/BOYAmt080850708
IRS990/TotalLiabilitiesGrp/EOYAmt082258037
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07407003
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07715205
IRS990/TotalOtherCompensationAmt038058
IRS990/TotalProgramServiceRevenueAmt04885985
IRS990/TotalReportableCompFromOrgAmt0236238
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt05159543
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05159543
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt088257711
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt089973242
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt044096
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine101309 S CENTER ST
IRS990/USAddress/City0NORMAL
IRS990/USAddress/State0IL
IRS990/USAddress/ZIPCode061761
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.isu-cu.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0THOM EWEN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03094518400
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-08
ReturnHeader/Filer/BusinessName/BusinessNameLine10ISU CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ISUC
ReturnHeader/Filer/EIN0370805312
ReturnHeader/Filer/PhoneNum03094518400
ReturnHeader/Filer/USAddress/AddressLine101309 S CENTER ST
ReturnHeader/Filer/USAddress/City0NORMAL
ReturnHeader/Filer/USAddress/State0IL
ReturnHeader/Filer/USAddress/ZIPCode061761
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10LMHN LTD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10900 N Webster St PO Box 87
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Taylorville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode062568
ReturnHeader/PreparerPersonGrp/PhoneNum02178249661
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RICHARD K HOOPER
ReturnHeader/ReturnTs02014-05-14T14:59:36-07:00
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
$89,973,242
Liabilities
$82,258,037
Net assets
$7,715,205
Revenue
$5,159,543
Expenses
$4,632,705
Net income
$526,838
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$219$195$23.8$14.7$13.7$1.00
2023Detailed filing. Detailed filing data is available for this year.$205$183$22.4$13.4$11.9$1.45
2022Detailed filing. Detailed filing data is available for this year.$200$179$20.7$11.3$9.94$1.39
2021Detailed filing. Detailed filing data is available for this year.$197$178$19.4$11.4$9.23$2.15
2020Detailed filing. Detailed filing data is available for this year.$164$148$16.1$10.5$8.62$1.87
2019Detailed filing. Detailed filing data is available for this year.$139$125$14.2$9.16$7.40$1.77
2018Detailed filing. Detailed filing data is available for this year.$130$117$12.4$8.12$6.89$1.23
2017Detailed filing. Detailed filing data is available for this year.$120$109$11.2$6.96$6.34$0.62
2016Detailed filing. Detailed filing data is available for this year.$115$104$10.5$6.60$5.77$0.83
2015Detailed filing. Detailed filing data is available for this year.$110$100$9.73$6.05$5.41$0.64
2014Detailed filing. Detailed filing data is available for this year.$105$96.1$9.11$5.35$4.78$0.57
2013Detailed filing. Detailed filing data is available for this year.$90.0$82.3$7.72$5.16$4.63$0.53
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$88.3$80.9$7.41$4.73
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$83.4$76.6$6.79$4.80
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$80.1$73.9$6.15$5.17