Civic Intelligence

School District #9 Credit Union

EIN 37-0806400 • 501(c)14 • Granite City, IL

Profile

To provide security of savings

3361 Fehling Road Suite 7Granite City, IL 62040

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

94th percentile

0.93x

Higher debt load relative to assets than 94% of similar nonprofits.

$5M-$10M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on the latest valid filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

69th percentile

10%

Faster asset growth than 69% of similar nonprofits.

$5M-$10M nonprofits • Annualized from 2010 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets94th percentile

Assets

Down

$0

Down $6,603,669 (-100%) from 2013

Liabilities

Down

$0

Down $6,165,730 (-100%) from 2013

Net Assets

Down

$0

Down $437,939 (-100%) from 2013

Operations
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

Up

$256,143

Up $12,380 (+5.1%) from 2013

Expenses

Up

$358,197

Up $85,323 (+31%) from 2013

Net Income

Down

-$102,054

Down $72,943 (-251%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth69th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $5,489,755Liabilities 2010: $5,035,350Net Assets 2010: $454,4052010Assets 2011: $6,177,576Liabilities 2011: $5,710,818Net Assets 2011: $466,7582011Assets 2012: $6,674,899Liabilities 2012: $6,207,868Net Assets 2012: $467,0312012Assets 2013: $6,603,669Liabilities 2013: $6,165,730Net Assets 2013: $437,9392013Assets 2014: $0Liabilities 2014: $0Net Assets 2014: $02014

Highlighted filing

2014

Assets$0
Liabilities$0
Net Assets$0
Open 2014 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income by year, with the latest filing highlighted.

$400K$200K$0-$200KExpenses 2010: $341,7562010Expenses 2011: $287,7882011Expenses 2012: $259,7072012Revenue 2013: $243,763Expenses 2013: $272,874Net Income 2013: -$29,1112013Revenue 2014: $256,143Expenses 2014: $358,197Net Income 2014: -$102,0542014

Highlighted filing

2014

Revenue$256,143
Expenses$358,197
Net Income-$102,054
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$256,143
Expenses
$358,197
Net income
-$102,054
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.26$0.36$0.10
2013Detailed filing. Detailed filing data is available for this year.$6.60$6.17$0.44$0.24$0.27$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.67$6.21$0.47$0.26
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.18$5.71$0.47$0.29
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.49$5.04$0.45$0.34
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 5, 2015
Return Version
2014v5.0
Gross Receipts
$256,143
Mission and Program Overview

Mission

To provide security of savings

To provide security of savings and selected financial services to its members in a convenient, responsive manner, at competitive rates, while maintaining financial stability and adequate capitial within the organization.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,302,729--
Savings and Temporary Cash Investments$1,919,850--
Investments in Publicly Traded Securities$975,295--
Rtn Earn Endowment Incm Other Fnds$437,939--
Land, Buildings, and Equipment, Net$178,032--
Cash and Non-Interest-Bearing Accounts$130,471--
Prepaid Expenses and Deferred Charges$35,533--
Total Assets$6,603,669$0▼ $6,603,669
Other Assets Total$61,759--
Liabilities
Other Liabilities$6,153,288--
Accounts Payable and Accrued Expenses$12,442--
Total Liabilities$6,165,730$0▼ $6,165,730
Net Assets / Fund Balance
Total Net Assets Fund Balance$437,939$0▼ $437,939
Total Liabilities and Net Assets / Fund Balance$6,603,669$0▼ $6,603,669
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Lisa ReevesPresidentFT$53,279$53,279

Board Members and Trustees

NameTitle
Helen SchmisseurBoard Chair
Don PetrilloBoard Vice Chair
John ParkerDirector
Judy DothageDirector
Todd ChamblinDirector
Gary FordSecretary
Melissa DawesTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$226,656
Investment Income
$29,487
Other Revenue
$0
Change in Net Assets
$-102,054

Audited Revenue Reconciliation

Revenue per Audited Statements
$256,143
Total Revenue per Audited Statements
$256,143
Total Revenue per Form 990
$256,143
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$241,348
Salaries, Compensation, and Employee Benefits$116,849
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$53,279
Other Salaries and Wages---$51,393
Office Expenses---$39,924
Occupancy---$24,218
Depreciation Depletion---$19,847
Fees for Services Accounting---$12,876
Payroll Taxes---$8,581
Insurance---$7,418
Information Technology---$4,890
Pension Plan Contributions---$3,596
Other Expenses---$2,112
Advertising---$605
Conferences and Meetings---$549
Travel---$255
Interest---$74
Total Functional Expenses$0$0$0$358,197

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$358,197
Total Expenses per Audited Statements$358,197
Total Expenses per Form 990$358,197
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 ACCOUNTS-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
SCHOOL DISTRICT #9 CREDIT UNION
EIN
37-0806400
Phone
6188775198
Address
3361 FEHLING ROAD SUITE 7, GRANITE CITY, IL 62040

Signing Officer

Name
Lisa Reeves
Title
President
Phone
6188775198
Signed
2015-05-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lisa Reeves
Formed
1958
Legal Domicile
Il
Voting Board Members
8
Independent Board Members
8
Employees
4
Volunteers
7

Preparer

Firm
Lmhn Ltd
Address
900 N Webster St PO Box 87, Taylorville, IL 62568
Preparer
Richard K Hooper
Phone
2178249661
Supplemental Narrative

Additional Explanations

Pt III, Line 3

“The credit union merged with 1st midamerica credit union.”

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”

Pt VI, Line 7B

“To the membership for a vote, which is determined on a”

Pt VI, Line 7B

“CASE 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.”

Raw XML Appendix355 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/ExplanationTxt3ANNUALLY.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5TO THE MEMBERSHIP FOR A VOTE, WHICH IS DETERMINED ON A
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10INDIVIDUALLY AND TO CONTACT THE RETURN PREPARER, OTHER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11BOARD MEMBERS, OR EXECUTIVE OFFICERS WITH ANY QUESTIONS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12OR CONCERNS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13THE CREDIT UNION ENFORCES THE CONFLICT OF INTEREST POLICY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14THROUGH REVIEW OF THE POLICY AND AWARENESS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15THE CREDIT UNION'S GOVERNING DOCUMENTS, CONFLICT OF
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE TO
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt III, Line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 7b
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 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Pt VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc16Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc17Pt VI, Line 19
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IRS990/SignificantChangeInd0true
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0true
IRS990/TotalAssetsBOYAmt06603669
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt06603669
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/TotalAmt0358197
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06165730
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt06165730
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0437939
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalProgramServiceRevenueAmt0226656
IRS990/TotalReportableCompFromOrgAmt053279
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0256143
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0256143
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt06603669
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt0255
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03361 FEHLING ROAD SUITE 7
IRS990/USAddress/CityNm0GRANITE CITY
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd062040
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LISA REEVES
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06188775198
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-05
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SCHOOL DISTRICT #9 CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SCHO
ReturnHeader/Filer/EIN0370806400
ReturnHeader/Filer/PhoneNum06188775198
ReturnHeader/Filer/USAddress/AddressLine1Txt03361 FEHLING ROAD SUITE 7
ReturnHeader/Filer/USAddress/CityNm0GRANITE CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd062040
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/PreparationDt02015-05-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RICHARD K HOOPER
ReturnHeader/ReturnTs02015-05-13T15:02:51-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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