Civic Intelligence

Ash Employees Credit Union

990 • Fiscal year 2014 • EIN 37-0807500

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 10, 2015

Organization ProfileN/A
PO Box 644Anna, IL 62906-0644

(618) 833-5161

Siviq Scores

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

Liabilities / Assets

64th percentile

0.86x

Higher debt load relative to assets than 64% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

38th percentile

13.86x

Higher debt load relative to revenue than 38% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

88th percentile

20%

Higher net margin than 88% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

74th percentile

$46,855

Higher top officer pay than 74% of similar nonprofits.

Top officer pay equals 16.9% of source-year revenue.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Asset Growth

77th percentile

3.2%

Faster asset growth than 77% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

78th percentile

4.4%

Faster revenue growth than 78% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$4,483,581

Up $138,792 (+3.2%) from 2013

Net Assets

Up

$634,928

Up $41,025 (+6.9%) from 2013

Liabilities

Up

$3,848,653

Up $97,767 (+2.6%) from 2013

Revenue And Expenses
Liabilities / Revenue38th percentileNet Margin88th percentile

Revenue

Up

$277,592

Up $11,627 (+4.4%) from 2013

Expenses

Down

$220,900

Down $13,624 (-5.8%) from 2013

Net Income

Up

$56,692

Up $25,251 (+80%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth77th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $3,721,090Liabilities 2010: $3,199,595Net Assets 2010: $521,4952010Assets 2011: $4,039,997Liabilities 2011: $3,504,488Net Assets 2011: $535,5092011Assets 2012: $4,576,004Liabilities 2012: $4,013,542Net Assets 2012: $562,4622012Assets 2013: $4,344,789Liabilities 2013: $3,750,886Net Assets 2013: $593,9032013Assets 2014: $4,483,581Liabilities 2014: $3,848,653Net Assets 2014: $634,9282014Assets 2015: $4,708,138Liabilities 2015: $4,043,385Net Assets 2015: $664,7532015Assets 2016: $4,885,816Liabilities 2016: $4,201,063Net Assets 2016: $684,7532016Assets 2017: $4,884,677Liabilities 2017: $4,199,924Net Assets 2017: $684,7532017Assets 2018: $4,356,272Liabilities 2018: $3,661,519Net Assets 2018: $694,7532018Assets 2019: $4,389,025Liabilities 2019: $3,668,768Net Assets 2019: $720,2572019Assets 2020: $4,868,996Liabilities 2020: $4,148,739Net Assets 2020: $720,2572020Assets 2021: $5,091,353Liabilities 2021: $4,305,777Net Assets 2021: $785,5762021Assets 2022: $4,900,005Liabilities 2022: $4,086,149Net Assets 2022: $813,8562022Assets 2024: $5,122,222Liabilities 2024: $4,149,695Net Assets 2024: $972,5272024

Highlighted filing

2014

Assets$4,483,581
Liabilities$3,848,653
Net Assets$634,928
Open 2014 Filing

Operations Trend

Revenue Growth78th percentile

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

$400K$300K$200K$100K$0Expenses 2010: $233,5772010Expenses 2011: $218,8172011Expenses 2012: $215,7292012Revenue 2013: $265,965Expenses 2013: $234,524Net Income 2013: $31,4412013Revenue 2014: $277,592Expenses 2014: $220,900Net Income 2014: $56,6922014Revenue 2015: $273,959Expenses 2015: $244,134Net Income 2015: $29,8252015Revenue 2016: $267,332Expenses 2016: $247,332Net Income 2016: $20,0002016Revenue 2017: $267,917Expenses 2017: $267,917Net Income 2017: $02017Revenue 2018: $272,028Expenses 2018: $262,028Net Income 2018: $10,0002018Revenue 2019: $254,567Expenses 2019: $227,869Net Income 2019: $26,6982019Revenue 2020: $243,865Expenses 2020: $243,865Net Income 2020: $02020Revenue 2021: $285,803Expenses 2021: $220,484Net Income 2021: $65,3192021Revenue 2022: $275,126Expenses 2022: $246,846Net Income 2022: $28,2802022Revenue 2024: $334,664Expenses 2024: $224,738Net Income 2024: $109,9262024

Highlighted filing

2014

Revenue$277,592
Expenses$220,900
Net Income$56,692
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 10, 2015
Return Version
2014v5.0
Gross Receipts
$277,592
Mission and Program Overview

Mission

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,143,851$2,806,468▼ $337,383
Savings and Temporary Cash Investments$1,117,713$1,567,217▲ $449,504
Rtn Earn Endowment Incm Other Fnds$593,903$634,928▲ $41,025
Cash and Non-Interest-Bearing Accounts$12,937$36,479▲ $23,542
Land, Buildings, and Equipment, Net$23,140$22,772▼ $368
Prepaid Expenses and Deferred Charges-$3,074-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$4,344,789$4,483,581▲ $138,792
Other Assets Total$47,148$47,571▲ $423
Liabilities
Other Liabilities$3,750,712$3,836,425▲ $85,713
Accounts Payable and Accrued Expenses$174$12,228▲ $12,054
Total Liabilities$3,750,886$3,848,653▲ $97,767
Net Assets / Fund Balance
Total Net Assets Fund Balance$593,903$634,928▲ $41,025
Total Liabilities and Net Assets / Fund Balance$4,344,789$4,483,581▲ $138,792

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$22,772$96,109$118,881
Compensation and Service Providers
Top Officer Pay74th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cynthia WalkerCredit Union President/board TreasurerFT$45,655$1,200$46,855

Board Members and Trustees

NameTitle
Lawanda JonesBoard President
Steve HartlineBoard Vice President
Betsy HessBoard Member
Carolyn TrippBoard Member
Corey JeffordsBoard Member
Erica GoinesBoard Member
Michele BurrisBoard Member
Stephen FrizzellBoard Member
Athalyn HuntBoard Secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$269,815
Investment Income
$6,844
Other Revenue
$933
Change in Net Assets
$56,692
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$115,098
Salaries, Compensation, and Employee Benefits$86,632
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---$46,855
Other Salaries and Wages---$33,530
Benefits to Members---$19,170
Fees for Services Accounting---$17,051
Fees for Services Other---$13,363
Depreciation Depletion---$11,544
Office Expenses---$9,585
Insurance---$7,674
All Other Expenses---$7,256
Payroll Taxes---$5,817
Conferences and Meetings---$3,527
Advertising---$473
Pension Plan Contributions---$430
Other Expenses---$282
Total Functional Expenses$0$0$0$220,900
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$3,836,425
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

Governance Explanations

Form 990, Part VI, Section A, line 6

“The credit union is mutually owned by members.”

Form 990, Part VI, Section A, line 7A

“The board of directors are elected by the credit union members.”

Form 990, Part VI, Section A, line 7B

“Certain significant changes are subject to approval by the credit union members; however, no such changes were made during the year.”

Form 990, Part VI, Section B, line 11

“The president/treasurer reviews the form 990 and presents it to the board of directors before filing.”

Form 990, Part VI, Section C, line 19

“Financial statements are posted in the credit union, presented at the annual meeting, and are available upon request. In addition, the ncua website posts financial information as part of the quarterly call reports. Other documents, policies, and procedures are available upon request.”

Filing and Contact Details

Filer

Filer Name
Ash Employees Credit Union
EIN
37-0807500
Phone
6188335161
Address
PO BOX 644, ANNA, IL 62906-0644

Signing Officer

Name
Cynthia Walker
Title
President
Phone
6188335161
Signed
2015-11-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cynthia Walker
Formed
1952
Legal Domicile
Il
Voting Board Members
10
Independent Board Members
9
Employees
2
Volunteers
10

Preparer

Firm
Stephen Lang & Associates LLC
Address
14323 S OUTER 40 STE N205, CHESTERFIELD, MO 63017
Phone
3142058601
Raw XML Appendix340 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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IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE PRESIDENT
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IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
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IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2014, THERE WERE 413 LOANS OUTSTANDING TOTALING $2,824,347.
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IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE PRESIDENT/TREASURER REVIEWS THE FORM 990 AND PRESENTS IT TO THE BOARD OF DIRECTORS BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION, PRESENTED AT THE ANNUAL MEETING, AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt04344789
IRS990/TotalAssetsEOYAmt04483581
IRS990/TotalAssetsGrp/BOYAmt04344789
IRS990/TotalAssetsGrp/EOYAmt04483581
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/TotalAmt0220900
IRS990/TotalGrossUBIAmt025
IRS990/TotalLiabilitiesBOYAmt03750886
IRS990/TotalLiabilitiesEOYAmt03848653
IRS990/TotalLiabilitiesGrp/BOYAmt03750886
IRS990/TotalLiabilitiesGrp/EOYAmt03848653
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0593903
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0634928
IRS990/TotalOtherCompensationAmt01200
IRS990/TotalProgramServiceRevenueAmt0269815
IRS990/TotalReportableCompFromOrgAmt045655
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0277567
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0277592
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt025
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04344789
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04483581
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 644
IRS990/USAddress/CityNm0ANNA
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd0629060644
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CYNTHIA WALKER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06188335161
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-11-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ASH EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ASHE
ReturnHeader/Filer/EIN0370807500
ReturnHeader/Filer/PhoneNum06188335161
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 644
ReturnHeader/Filer/USAddress/CityNm0ANNA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd0629060644
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431887384
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0STEPHEN LANG & ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt014323 S OUTER 40 STE N205
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CHESTERFIELD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd063017
ReturnHeader/PreparerPersonGrp/PhoneNum03142058601
ReturnHeader/ReturnTs02015-11-10T08:45:47-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$4,483,581
Liabilities
$3,848,653
Net assets
$634,928
Revenue
$277,592
Expenses
$220,900
Net income
$56,692
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.12$4.15$0.97$0.33$0.22$0.11
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.90$4.09$0.81$0.28$0.25$0.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.09$4.31$0.79$0.29$0.22$0.07
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.87$4.15$0.72$0.24$0.24$0.00
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.39$3.67$0.72$0.25$0.23$0.03
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.36$3.66$0.69$0.27$0.26$0.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.88$4.20$0.68$0.27$0.27$0.00
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.89$4.20$0.68$0.27$0.25$0.02
2015Detailed filing. Detailed filing data is available for this year.$4.71$4.04$0.66$0.27$0.24$0.03
2014Detailed filing. Detailed filing data is available for this year.$4.48$3.85$0.63$0.28$0.22$0.06
2013Detailed filing. Detailed filing data is available for this year.$4.34$3.75$0.59$0.27$0.23$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.58$4.01$0.56$0.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.04$3.50$0.54$0.22
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.72$3.20$0.52$0.23