Civic Intelligence

State Employees Community Credit Union

990 • Fiscal year 2016 • EIN 37-0806563

Jan 01, 2016 to Dec 31, 2016 • Filed on Apr 13, 2017

Organization Profilewww.state-employeescu.com
4500 College AvenueAlton, IL 62002

(618) 462-5229

Siviq Scores

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

Liabilities / Assets

48th percentile

0.85x

Higher debt load relative to assets than 48% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Liabilities / Revenue

15th percentile

10.22x

Higher debt load relative to revenue than 15% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Net Margin

6th percentile

-34%

Higher net margin than 6% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Top Officer Pay

40th percentile

$48,993

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 11.1% of source-year revenue.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Asset Growth

16th percentile

-4.3%

Faster asset growth than 16% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Revenue Growth

9th percentile

-8.4%

Faster revenue growth than 9% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets48th percentile

Assets

Down

$5,265,312

Down $234,391 (-4.3%) from 2015

Net Assets

Down

$767,238

Down $212,073 (-22%) from 2015

Liabilities

Down

$4,498,074

Down $22,318 (-0.5%) from 2015

Revenue And Expenses
Liabilities / Revenue15th percentileNet Margin6th percentile

Revenue

Down

$440,116

Down $40,610 (-8.4%) from 2015

Expenses

Up

$589,189

Up $183,221 (+45%) from 2015

Net Income

Down

-$149,073

Down $223,831 (-299%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth16th 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: $5,344,389Liabilities 2010: $4,619,827Net Assets 2010: $724,5622010Assets 2011: $5,772,531Liabilities 2011: $5,035,427Net Assets 2011: $737,1042011Assets 2012: $5,658,908Liabilities 2012: $4,905,999Net Assets 2012: $752,9092012Assets 2013: $5,544,572Liabilities 2013: $4,752,992Net Assets 2013: $791,5802013Assets 2014: $5,495,716Liabilities 2014: $4,587,275Net Assets 2014: $908,4412014Assets 2015: $5,499,703Liabilities 2015: $4,520,392Net Assets 2015: $979,3112015Assets 2016: $5,265,312Liabilities 2016: $4,498,074Net Assets 2016: $767,2382016Assets 2017: $5,539,171Liabilities 2017: $4,707,137Net Assets 2017: $832,0342017Assets 2018: $5,973,752Liabilities 2018: $5,055,262Net Assets 2018: $918,4902018Assets 2019: $6,095,356Liabilities 2019: $5,086,478Net Assets 2019: $1,008,8782019Assets 2020: $6,953,433Liabilities 2020: $5,918,012Net Assets 2020: $1,035,4212020Assets 2021: $7,402,136Liabilities 2021: $6,311,208Net Assets 2021: $1,090,9282021Assets 2022: $7,863,212Liabilities 2022: $6,756,550Net Assets 2022: $1,106,6622022Assets 2023: $6,857,091Liabilities 2023: $5,606,424Net Assets 2023: $1,250,6672023Assets 2024: $6,520,002Liabilities 2024: $5,252,043Net Assets 2024: $1,267,9592024

Highlighted filing

2016

Assets$5,265,312
Liabilities$4,498,074
Net Assets$767,238
Open 2016 Filing

Operations Trend

Revenue Growth9th percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $283,4382010Expenses 2011: $275,1512011Expenses 2012: $265,7142012Revenue 2013: $271,603Expenses 2013: $232,932Net Income 2013: $38,6712013Revenue 2014: $361,663Expenses 2014: $244,802Net Income 2014: $116,8612014Revenue 2015: $480,726Expenses 2015: $405,968Net Income 2015: $74,7582015Revenue 2016: $440,116Expenses 2016: $589,189Net Income 2016: -$149,0732016Revenue 2017: $417,304Expenses 2017: $352,508Net Income 2017: $64,7962017Revenue 2018: $400,239Expenses 2018: $314,023Net Income 2018: $86,2162018Revenue 2019: $439,992Expenses 2019: $349,604Net Income 2019: $90,3882019Revenue 2020: $369,257Expenses 2020: $342,714Net Income 2020: $26,5432020Revenue 2021: $349,635Expenses 2021: $294,128Net Income 2021: $55,5072021Revenue 2022: $349,522Expenses 2022: $328,664Net Income 2022: $20,8582022Revenue 2023: $519,197Expenses 2023: $375,192Net Income 2023: $144,0052023Revenue 2024: $553,943Expenses 2024: $536,651Net Income 2024: $17,2922024

Highlighted filing

2016

Revenue$440,116
Expenses$589,189
Net Income-$149,073
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 13, 2017
Return Version
2016v3.0
Gross Receipts
$440,116
Mission and Program Overview

Mission

The credit union is a member owned, not-for-profit financial institution committed to providing a sound yet progressive asset management strategy and new and improved

The credit union is a member owned, not-for-profit financial institution committed to providing a sound yet progressive asset management strategy and new and improved financial services to current and future members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,326,449$3,533,807▼ $792,642
Savings and Temporary Cash Investments$1,039,542$1,610,840▲ $571,298
Rtn Earn Endowment Incm Other Fnds$979,311$767,238▼ $212,073
Cash and Non-Interest-Bearing Accounts$54,238$58,188▲ $3,950
Prepaid Expenses and Deferred Charges$25,039$11,857▼ $13,182
Land, Buildings, and Equipment, Net$8,622$4,807▼ $3,815
Total Assets$5,499,703$5,265,312▼ $234,391
Other Assets Total$45,813$45,813→ $0
Liabilities
Other Liabilities$4,508,179$4,490,506▼ $17,673
Accounts Payable and Accrued Expenses$12,213$7,568▼ $4,645
Total Liabilities$4,520,392$4,498,074▼ $22,318
Net Assets / Fund Balance
Total Net Assets Fund Balance$979,311$767,238▼ $212,073
Total Liabilities and Net Assets / Fund Balance$5,499,703$5,265,312▼ $234,391

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$4,807$11,255$16,062
Compensation and Service Providers
Top Officer Pay40th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Trisha BellCEO/managerFT$48,993$48,993

Board Members and Trustees

NameTitle
Carla GalbraithChairperson
Melody Davis-wilsonVice Chairperson
David LawsBoard Member
James WhiteBoard Member
Laura FortadoBoard Member
Michael LenBoard Member
Valerie HallBoard Member
Zelma DavisSecretary
Darlene YarboroughTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$434,778
Investment Income
$5,338
Other Revenue
$0
Change in Net Assets
$-149,073
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$480,627
Salaries, Compensation, and Employee Benefits$108,562
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$61,925
Current Officers, Directors, Trustees, and Key Employees---$48,993
Other Salaries and Wages---$48,392
Other Expenses---$30,089
Information Technology---$10,991
Payroll Taxes---$10,925
Fees for Services Legal---$10,060
Insurance---$9,022
Fees for Services Accounting---$8,875
All Other Expenses---$8,180
Conferences and Meetings---$4,799
Advertising---$4,431
Depreciation Depletion---$3,815
Travel---$394
Other Employee Benefits---$252
Total Functional Expenses$0$0$0$589,189
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$4,490,506
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
State Employees Credit Union
EIN
37-0806563
Phone
6184625229
Address
4500 COLLEGE AVENUE, ALTON, IL 62002

Signing Officer

Name
Trisha Bell
Title
CEO/manager
Phone
6184625229
Signed
2017-04-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Trisha Bell
Formed
1952
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
4
Volunteers
9

Preparer

Firm
Lmhn Ltd
Address
900 N Webster St PO Box 87, Taylorville, IL 62568
Preparer
Brent J Lively
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”

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”

Pt VI, Line 19

“To the public upon request.”

Form 990, Part IX, Line 24E

“IDFPR 4807.”

Form 990, Part IX, Line 24E

“Share draft expense 3114.”

Form 990, Part IX, Line 24E

“MISCELLANEOUS 259.”

Raw XML Appendix358 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/ExplanationTxt1THE GOVERNING BODY IS ELECTED FROM AND BY THE MEMBERSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FROM TIME TO TIME, CERTAIN DECISIONS WILL BE PRESENTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4TO THE MEMBERSHIP FOR A VOTE, WHICH IS DETERMINED ON A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5CASE BY 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
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17IDFPR 4807.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt18SHARE DRAFT EXPENSE 3114.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt19MISCELLANEOUS 259.
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc18Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc19Form 990, Part IX, Line 24e
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalFunctionalExpensesGrp/TotalAmt0589189
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IRS990/TotalLiabilitiesEOYAmt04498074
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IRS990/TotalLiabilitiesGrp/EOYAmt04498074
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0979311
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0767238
IRS990/TotalProgramServiceRevenueAmt0434778
IRS990/TotalReportableCompFromOrgAmt048993
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0440116
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0440116
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IRS990/TravelGrp/TotalAmt0394
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt04500 COLLEGE AVENUE
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IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd062002
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0www.state-employeescu.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TRISHA BELL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO/MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum06184625229
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-04-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0STATE EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0STAT
ReturnHeader/Filer/EIN0370806563
ReturnHeader/Filer/PhoneNum06184625229
ReturnHeader/Filer/USAddress/AddressLine1Txt04500 COLLEGE AVENUE
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ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId09BC8A9ED3246B4657A50282BDD4082D9D5CEA101
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt072.9.116.36
ReturnHeader/FilingSecurityInformation/IPDt02017-05-10
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm014:13:28
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/PreparationDt02017-05-10
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT J LIVELY
ReturnHeader/ReturnTs02017-05-10T14:13:44-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,265,312
Liabilities
$4,498,074
Net assets
$767,238
Revenue
$440,116
Expenses
$589,189
Net income
-$149,073
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$6.52$5.25$1.27$0.55$0.54$0.02
2023Detailed filing. Detailed filing data is available for this year.$6.86$5.61$1.25$0.52$0.38$0.14
2022Detailed filing. Detailed filing data is available for this year.$7.86$6.76$1.11$0.35$0.33$0.02
2021Detailed filing. Detailed filing data is available for this year.$7.40$6.31$1.09$0.35$0.29$0.06
2020Detailed filing. Detailed filing data is available for this year.$6.95$5.92$1.04$0.37$0.34$0.03
2019Detailed filing. Detailed filing data is available for this year.$6.10$5.09$1.01$0.44$0.35$0.09
2018Detailed filing. Detailed filing data is available for this year.$5.97$5.06$0.92$0.40$0.31$0.09
2017Detailed filing. Detailed filing data is available for this year.$5.54$4.71$0.83$0.42$0.35$0.06
2016Detailed filing. Detailed filing data is available for this year.$5.27$4.50$0.77$0.44$0.59$0.15
2015Detailed filing. Detailed filing data is available for this year.$5.50$4.52$0.98$0.48$0.41$0.07
2014Detailed filing. Detailed filing data is available for this year.$5.50$4.59$0.91$0.36$0.24$0.12
2013Detailed filing. Detailed filing data is available for this year.$5.54$4.75$0.79$0.27$0.23$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.66$4.91$0.75$0.27
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.77$5.04$0.74$0.28
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.34$4.62$0.72$0.28