Civic Intelligence

School District #9 Credit Union

990 • Fiscal year 2013 • EIN 37-0806400

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 22, 2014

Organization ProfileN/A
3361 Fehling Road Suite 762040

(618) 877-5198

Siviq Scores

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

Liabilities / Assets

96th percentile

0.93x

Higher debt load relative to assets than 96% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Liabilities / Revenue

82nd percentile

25.29x

Higher debt load relative to revenue than 82% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Net Margin

19th percentile

-12%

Higher net margin than 19% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Top Officer Pay

54th percentile

$53,279

Higher top officer pay than 54% of similar nonprofits.

Top officer pay equals 21.9% of source-year revenue.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Asset Growth

38th percentile

-1.1%

Faster asset growth than 38% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M 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 / Assets96th percentile

Assets

Down

$6,603,669

Down $71,230 (-1.1%) from 2012

Net Assets

Down

$437,939

Down $29,092 (-6.2%) from 2012

Liabilities

Down

$6,165,730

Down $42,138 (-0.7%) from 2012

Revenue And Expenses
Liabilities / Revenue82nd percentileNet Margin19th percentile

Revenue

$243,763

No earlier filing loaded for comparison.

Expenses

Up

$272,874

Up $13,167 (+5.1%) from 2012

Net Income

-$29,111

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth38th percentile

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

$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

2013

Assets$6,603,669
Liabilities$6,165,730
Net Assets$437,939
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2013

Revenue$243,763
Expenses$272,874
Net Income-$29,111
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 22, 2014
Return Version
2013v3.1
Gross Receipts
$243,763
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$3,011,486$3,302,729▲ $291,243
Savings and Temporary Cash Investments$761,086$1,919,850▲ $1,158,764
Investments in Publicly Traded Securities$2,177,649$975,295▼ $1,202,354
Rtn Earn Endowment Incm Other Fnds$467,050$437,939▼ $29,111
Land, Buildings, and Equipment, Net$199,356$178,032▼ $21,324
Cash and Non-Interest-Bearing Accounts$428,252$130,471▼ $297,781
Prepaid Expenses and Deferred Charges-$35,533-
Total Assets$6,674,899$6,603,669▼ $71,230
Other Assets Total$97,070$61,759▼ $35,311
Liabilities
Other Liabilities$6,175,877$6,153,288▼ $22,589
Mortgage Notes Payable Secured by Investment Property$19,862--
Accounts Payable and Accrued Expenses$12,110$12,442▲ $332
Total Liabilities$6,207,849$6,165,730▼ $42,119
Net Assets / Fund Balance
Total Net Assets Fund Balance$467,050$437,939▼ $29,111
Total Liabilities and Net Assets / Fund Balance$6,674,899$6,603,669▼ $71,230

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$25,215$168,196$193,411
Leasehold Improvements$80,469$51,016$131,485
Land$72,348-$72,348
Compensation and Service Providers
Top Officer Pay54th percentile

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
$221,809
Investment Income
$21,954
Other Revenue
$0
Change in Net Assets
$-29,111

Audited Revenue Reconciliation

Revenue per Audited Statements
$243,763
Total Revenue per Audited Statements
$243,763
Total Revenue per Form 990
$243,763
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$165,942
Salaries, Compensation, and Employee Benefits$106,932
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 Expenses---$42,336
Other Salaries and Wages---$42,084
Occupancy---$27,195
All Other Expenses---$22,121
Depreciation Depletion---$21,323
Other Employee Benefits---$11,569
Interest---$7,245
Advertising---$550
Total Functional Expenses$0$0$0$272,874

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$272,874
Total Expenses per Audited Statements$272,874
Total Expenses per Form 990$272,874
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$6,153,288
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

EIN
37-0806400
Phone
6188775198

Signing Officer

Name
Lisa Reeves
Title
President
Phone
6188775198
Signed
2014-04-22
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
5
Volunteers
10

Preparer

Preparer
Richard K Hooper
Phone
2178249661
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“Account holders are considered members of the credit union.”

Pt VI, Line 7A

“Credit union members annually elect all directors.”

Pt VI, Line 7B

“Credit union directors may vote the proxy votes of members.”

Pt VI, Line 11B

“The board of directors review and approve the 990 before”

Pt VI, Line 11B

“IT IS FILED.”

Pt VI, Line 12C

“PERIODIC REVIEW.”

Pt VI, Line 19

“AVAILABLE UPON REQUEST.”

Form 990, Part IX, Line 24F

“Association dues 7435. Share insurance premium 5318. Miscellaneous 9368.”

Raw XML Appendix330 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/ExplanationTxt0ACCOUNT HOLDERS ARE CONSIDERED MEMBERS OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNION MEMBERS ANNUALLY ELECT ALL DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CREDIT UNION DIRECTORS MAY VOTE THE PROXY VOTES OF MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS REVIEW AND APPROVE THE 990 BEFORE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5PERIODIC REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ASSOCIATION DUES 7435. SHARE INSURANCE PREMIUM 5318. MISCELLANEOUS 9368.
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24f
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IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt06674899
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt06603669
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine103361 FEHLING ROAD SUITE 7
IRS990/USAddress/City0GRANITE CITY
IRS990/USAddress/State0IL
IRS990/USAddress/ZIPCode062040
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LISA REEVES
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06188775198
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-22
ReturnHeader/Filer/BusinessName/BusinessNameLine10SCHOOL DISTRICT #9 CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SCHO
ReturnHeader/Filer/EIN0370806400
ReturnHeader/Filer/PhoneNum06188775198
ReturnHeader/Filer/USAddress/AddressLine103361 FEHLING ROAD SUITE 7
ReturnHeader/Filer/USAddress/City0GRANITE CITY
ReturnHeader/Filer/USAddress/State0IL
ReturnHeader/Filer/USAddress/ZIPCode062040
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/PreparationDt02014-05-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RICHARD K HOOPER
ReturnHeader/ReturnTs02014-05-12T11:37:50-07:00
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
$6,603,669
Liabilities
$6,165,730
Net assets
$437,939
Revenue
$243,763
Expenses
$272,874
Net income
-$29,111
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