Civic Intelligence

Western Illinois Credit Union

EIN 37-0817658 • 501(c)14 • Rantoul, IL

View Organization Page

Profile

The credit union is a member owned financial

200 E Champaign AvenueRantoul, IL 61866

www.wicu.org

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

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

Source year 2022

Liabilities / Revenue

44th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

$500k-$1M nonprofits • Source year 2022

Net Margin

16th percentile

-26%

Higher net margin than 16% of similar nonprofits.

$500k-$1M nonprofits • Source year 2022

Top Officer Pay

83rd percentile

$78,649

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 10.9% of source-year revenue.

$500k-$1M nonprofits • Source year 2022

Asset Growth

2nd percentile

-100%

Faster asset growth than 2% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2021 to 2022

Revenue Growth

15th percentile

-23%

Faster revenue growth than 15% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $35,247,688 (-100%) from 2021

Liabilities

Down

$0

Down $32,537,987 (-100%) from 2021

Net Assets

Down

$0

Down $2,709,701 (-100%) from 2021

Operations
Liabilities / Revenue44th percentileNet Margin16th percentile

Revenue

Down

$723,690

Down $213,161 (-23%) from 2021

Expenses

Down

$913,648

Down $14,199 (-1.5%) from 2021

Net Income

Down

-$189,958

Down $198,962 (-2210%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth2nd percentile

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

$40M$30M$20M$10M$0Assets 2010: $13,438,592Liabilities 2010: $12,259,679Net Assets 2010: $1,178,9132010Assets 2011: $14,581,688Liabilities 2011: $13,318,776Net Assets 2011: $1,262,9122011Assets 2012: $16,536,171Liabilities 2012: $15,114,220Net Assets 2012: $1,421,9512012Assets 2013: $18,463,147Liabilities 2013: $16,921,338Net Assets 2013: $1,541,8092013Assets 2014: $19,730,356Liabilities 2014: $18,119,113Net Assets 2014: $1,611,2432014Assets 2015: $21,675,670Liabilities 2015: $19,875,028Net Assets 2015: $1,800,6422015Assets 2016: $23,195,573Liabilities 2016: $21,189,486Net Assets 2016: $2,006,0872016Assets 2017: $24,779,883Liabilities 2017: $22,562,308Net Assets 2017: $2,217,5752017Assets 2018: $26,279,652Liabilities 2018: $23,825,689Net Assets 2018: $2,453,9632018Assets 2019: $28,536,771Liabilities 2019: $25,909,517Net Assets 2019: $2,627,2542019Assets 2020: $34,100,324Liabilities 2020: $31,399,627Net Assets 2020: $2,700,6972020Assets 2021: $35,247,688Liabilities 2021: $32,537,987Net Assets 2021: $2,709,7012021Assets 2022: $0Liabilities 2022: $0Net Assets 2022: $02022

Highlighted filing

2022

Assets$0
Liabilities$0
Net Assets$0
Open 2022 Filing

Operations Trend

Revenue Growth15th percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $867,0882010Expenses 2011: $739,4952011Expenses 2012: $617,5342012Revenue 2013: $726,821Expenses 2013: $606,963Net Income 2013: $119,8582013Revenue 2014: $793,455Expenses 2014: $724,021Net Income 2014: $69,4342014Revenue 2015: $868,034Expenses 2015: $678,635Net Income 2015: $189,3992015Revenue 2016: $941,030Expenses 2016: $735,585Net Income 2016: $205,4452016Revenue 2017: $1,009,429Expenses 2017: $797,941Net Income 2017: $211,4882017Revenue 2018: $1,060,128Expenses 2018: $823,740Net Income 2018: $236,3882018Revenue 2019: $1,100,614Expenses 2019: $927,323Net Income 2019: $173,2912019Revenue 2020: $988,113Expenses 2020: $923,433Net Income 2020: $64,6802020Revenue 2021: $936,851Expenses 2021: $927,847Net Income 2021: $9,0042021Revenue 2022: $723,690Expenses 2022: $913,648Net Income 2022: -$189,9582022

Highlighted filing

2022

Revenue$723,690
Expenses$913,648
Net Income-$189,958
Open 2022 Filing

Filings

Most recent year

2022 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$723,690
Expenses
$913,648
Net income
-$189,958
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.00$0.00$0.00$0.72$0.91$0.19
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$35.2$32.5$2.71$0.94$0.93$0.01
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.1$31.4$2.70$0.99$0.92$0.06
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.5$25.9$2.63$1.10$0.93$0.17
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.3$23.8$2.45$1.06$0.82$0.24
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.8$22.6$2.22$1.01$0.80$0.21
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.2$21.2$2.01$0.94$0.74$0.21
2015Detailed filing. Detailed filing data is available for this year.$21.7$19.9$1.80$0.87$0.68$0.19
2014Detailed filing. Detailed filing data is available for this year.$19.7$18.1$1.61$0.79$0.72$0.07
2013Detailed filing. Detailed filing data is available for this year.$18.5$16.9$1.54$0.73$0.61$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.5$15.1$1.42$0.62
2011XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.6$13.3$1.26$0.74
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.4$12.3$1.18$0.87
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Sep 30, 2022
Signed
Aug 1, 2023
Return Version
2022v5.0
Gross Receipts
$723,690
Mission and Program Overview

Mission

The credit union is a member owned financial

The credit union is a member owned financial cooperative with the commitment to excel at providing the best personal financial services while maximizing its long-term stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$18,111,765$0▼ $18,111,765
Other Notes and Loans Receivable, Net$12,652,818$0▼ $12,652,818
Rtn Earn Endowment Incm Other Fnds$2,709,701$0▼ $2,709,701
Investments in Publicly Traded Securities$2,699,632$0▼ $2,699,632
Cash and Non-Interest-Bearing Accounts$643,151$0▼ $643,151
Land, Buildings, and Equipment, Net$477,573$0▼ $477,573
Prepaid Expenses and Deferred Charges$24,434$0▼ $24,434
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$35,247,688$0▼ $35,247,688
Other Assets Total$638,315$0▼ $638,315
Liabilities
Other Liabilities$32,525,989$0▼ $32,525,989
Accounts Payable and Accrued Expenses$11,998--
Total Liabilities$32,537,987$0▼ $32,537,987
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,709,701$0▼ $2,709,701
Total Liabilities and Net Assets / Fund Balance$35,247,688$0▼ $35,247,688
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christy FosterVP of LendingFT$67,350$11,299$78,649
Corie DanielsVP of AccountingFT$52,350$1,777$54,127
Brandy WorleyAvp Lending and OperationsFT$44,308$6,098$50,406

Board Members and Trustees

NameTitle
Jessica ButcherBoard Chair Person
Kathy WatersBoard Treasurer/acting President
Cathy EarlyBoard Vice Chair Person
Bonnie TaylorBoard Member
Julie DeweesBoard Member
Lana MarkhamBoard Member
Nick PetitgoutBoard Member
Rachel SuttonBoard Member
Robin WiltBoard Member
Sterling SaddlerBoard Member
Tamara KlinedinstBoard Secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$511,229
Investment Income
$186,093
Other Revenue
$26,368
Change in Net Assets
$-189,958
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$487,802
Salaries, Compensation, and Employee Benefits$425,846
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$309,227--$309,227
Other Salaries and Wages$195,351--$195,351
Current Officers, Directors, Trustees, and Key Employees$183,182--$183,182
Occupancy$53,295--$53,295
Other Employee Benefits$47,313--$47,313
All Other Expenses$10,881--$10,881
Other Expenses$8,502--$8,502
Advertising$5,891--$5,891
Travel$169--$169
Interest$32--$32
Total Functional Expenses$913,648$0$0$913,648
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is a member owned financial institution”

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

“The governing body is elected from and by the membership annually”

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

“From time to time, certain decisions will be presented to the membership for a vote, which is determinde on a case by case basis”

Form 990, Part VI, Section B, Line 11B

“Copies of the final form 990 and schedules were made available to governance prior to being filed with the irs. Governance was asked to review the return and to contact the return preparer, other board members, or executive officers with any questions or concerns.”

Form 990, Part VI, Section B, Line 12C

“The credit union enforces the conflict of interest policy through review of the policy and awareness”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents, conflict of interest policy and financial statements are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Western Illinois Credit Union
EIN
37-0817658
Address
200 E CHAMPAIGN AVENUE, RANTOUL, IL 61866

Signing Officer

Name
Scott Mcdonald
Title
CFO/evp
Signed
2023-08-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Scott Mcdonald
Formed
1959
Legal Domicile
Il
Voting Board Members
13
Independent Board Members
13
Employees
9
Volunteers
12

Preparer

Firm
Gbq Partners LLC
Address
4030 SMITH ROAD SUITE 400, CINCINNATI, OH 45209
Preparer
Greg Heimkreiter
Phone
5138713033
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Equity disposed of in acquistion by credit union 1 on 9/30/2022 -2,519,743.”

Raw XML AppendixShowing 400 of 420 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt011998
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0THE CREDIT UNION IS A MEMBER OWNED FINANCIAL COOPERATIVE WITH THE COMMITMENT TO EXCEL AT PROVIDING THE BEST PERSONAL FINANCIAL SERVICES WHILE MAXIMIZING ITS LONG-TERM STABILITY.
IRS990/AdvertisingGrp/ProgramServicesAmt05891
IRS990/AdvertisingGrp/TotalAmt05891
IRS990/AllOtherExpensesGrp/ProgramServicesAmt010881
IRS990/AllOtherExpensesGrp/TotalAmt010881
IRS990/AnnualDisclosureCoveredPrsnInd00
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0AL NUKU VP OF ACCOUNTING
IRS990/BooksInCareOfDetail/PhoneNum02178939112
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0200 E CHAMPAIGN AVENUE
IRS990/BooksInCareOfDetail/USAddress/CityNm0RANTOUL
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd061866
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0643151
IRS990/CashNonInterestBearingGrp/EOYAmt00
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0183182
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0183182
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractTerminationInd0X
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0186093
IRS990/CYOtherExpensesAmt0487802
IRS990/CYOtherRevenueAmt026368
IRS990/CYProgramServiceRevenueAmt0511229
IRS990/CYRevenuesLessExpensesAmt0-189958
IRS990/CYSalariesCompEmpBnftPaidAmt0425846
IRS990/CYTotalExpensesAmt0913648
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0723690
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/Desc0PROVIDED CUSTOMER LENDING AND RECEIVE DEPOSITS FROM THE CREDIT UNION MEMBERSHIP.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt09
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FinalReturnInd0X
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt111777
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1211299
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt136098
IRS990/Form990PartVIISectionAGrp/PersonNm0KATHY WATERS
IRS990/Form990PartVIISectionAGrp/PersonNm1JESSICA BUTCHER
IRS990/Form990PartVIISectionAGrp/PersonNm2CATHY EARLY
IRS990/Form990PartVIISectionAGrp/PersonNm3TAMARA KLINEDINST
IRS990/Form990PartVIISectionAGrp/PersonNm4LANA MARKHAM
IRS990/Form990PartVIISectionAGrp/PersonNm5JULIE DEWEES
IRS990/Form990PartVIISectionAGrp/PersonNm6BONNIE TAYLOR
IRS990/Form990PartVIISectionAGrp/PersonNm7RACHEL SUTTON
IRS990/Form990PartVIISectionAGrp/PersonNm8NICK PETITGOUT
IRS990/Form990PartVIISectionAGrp/PersonNm9STERLING SADDLER
IRS990/Form990PartVIISectionAGrp/PersonNm10ROBIN WILT
IRS990/Form990PartVIISectionAGrp/PersonNm11CORIE DANIELS
IRS990/Form990PartVIISectionAGrp/PersonNm12CHRISTY FOSTER
IRS990/Form990PartVIISectionAGrp/PersonNm13BRANDY WORLEY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1152350
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1267350
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1344308
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD TREASURER/ACTING PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD CHAIR PERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD VICE CHAIR PERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP OF ACCOUNTING
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt13AVP LENDING AND OPERATIONS
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01959
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt013
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0723690
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt013
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/ProgramServicesAmt032
IRS990/InterestGrp/TotalAmt032
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt0186093
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0186093
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt02699632
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0477573
IRS990/LandBldgEquipBasisNetGrp/EOYAmt00
IRS990/LandBldgEquipCostOrOtherBssAmt00
IRS990/LegalDomicileStateCd0IL
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE CREDIT UNION IS A MEMBER OWNED FINANCIAL COOPERATIVE WITH THE COMMITMENT TO EXCEL AT PROVIDING THE BEST FINANCIAL SERVICES WHILE MAXIMIZING ITS LONG-TERM STABILITY.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt02709701
IRS990/NetAssetsOrFundBalancesEOYAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt053295
IRS990/OccupancyGrp/TotalAmt053295
IRS990/OfficeExpensesGrp/ProgramServicesAmt0309227
IRS990/OfficeExpensesGrp/TotalAmt0309227
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0638315
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherChangesInNetAssetsAmt0-2519743
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt047313
IRS990/OtherEmployeeBenefitsGrp/TotalAmt047313
IRS990/OtherExpensesGrp/Desc0PROFESSIONAL SERVICES
IRS990/OtherExpensesGrp/Desc1DIVIDENDS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3MEMBERSHIP DUES
IRS990/OtherExpensesGrp/ProgramServicesAmt045623
IRS990/OtherExpensesGrp/ProgramServicesAmt129747
IRS990/OtherExpensesGrp/ProgramServicesAmt224435
IRS990/OtherExpensesGrp/ProgramServicesAmt38502
IRS990/OtherExpensesGrp/TotalAmt045623
IRS990/OtherExpensesGrp/TotalAmt129747
IRS990/OtherExpensesGrp/TotalAmt224435
IRS990/OtherExpensesGrp/TotalAmt38502
IRS990/OtherLiabilitiesGrp/BOYAmt032525989
IRS990/OtherLiabilitiesGrp/EOYAmt00
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt026368
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt026368
IRS990/OtherRevenueTotalAmt026368
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0195351
IRS990/OtherSalariesAndWagesGrp/TotalAmt0195351
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt012652818
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt024434
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0SCOTT MCDONALD
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0404622
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1106607
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0404622
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1106607
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0148729
IRS990/PYOtherExpensesAmt0530658
IRS990/PYOtherRevenueAmt079848
IRS990/PYProgramServiceRevenueAmt0708274
IRS990/PYRevenuesLessExpensesAmt09004
IRS990/PYSalariesCompEmpBnftPaidAmt0397189
IRS990/PYTotalExpensesAmt0927847
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0936851
IRS990/QuidProQuoContributionsInd00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-189958
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02709701
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt018111765
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990/ScheduleJRequiredInd00
IRS990ScheduleN/AssetsDistributedInd00
IRS990ScheduleN/AttorneyGeneralNotifiedInd00
IRS990ScheduleN/BondsOutstandingInd00
IRS990ScheduleN/DirectorOfSuccessorInd00
IRS990ScheduleN/EmployeeOfSuccessorInd00
IRS990ScheduleN/LiabilitiesPaidInd00
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0CREDIT UNION 1 ACQUIRED WESTERN ILLINOIS CREDIT UNION ON 9/30/2022 VIA A MERGER
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0CREDIT UNION 1
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02022-09-30
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0370767435
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt02519743
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt0200 E CHAMPAIGN AVE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0RANTOUL
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0IL
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd0618662930
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd00
IRS990/ScheduleORequiredInd01
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 FOR A VOTE, WHICH IS DETERMINDE ON A CASE BY CASE BASIS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COPIES OF THE FINAL FORM 990 AND SCHEDULES WERE MADE AVAILABLE TO GOVERNANCE PRIOR TO BEING FILED WITH THE IRS. GOVERNANCE WAS ASKED TO REVIEW THE RETURN AND TO CONTACT THE RETURN PREPARER, OTHER BOARD MEMBERS, OR EXECUTIVE OFFICERS WITH ANY QUESTIONS OR CONCERNS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION ENFORCES THE CONFLICT OF INTEREST POLICY THROUGH REVIEW OF THE POLICY AND AWARENESS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6EQUITY DISPOSED OF IN ACQUISTION BY CREDIT UNION 1 ON 9/30/2022 -2,519,743.
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 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt035247688
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt035247688
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0913648
IRS990/TotalFunctionalExpensesGrp/TotalAmt0913648
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt032537987
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt032537987
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02709701
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt019174
IRS990/TotalProgramServiceRevenueAmt0511229
IRS990/TotalReportableCompFromOrgAmt0164008
IRS990/TotalRevenueGrp/ExclusionAmt0186093
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0537597
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0723690
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt035247688
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt0169
IRS990/TravelGrp/TotalAmt0169
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0200 E CHAMPAIGN AVENUE
IRS990/USAddress/CityNm0RANTOUL
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd061866
IRS990/VotingMembersGoverningBodyCnt013
IRS990/VotingMembersIndependentCnt013
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd00
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0SCOTT MCDONALD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CFO/EVP
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-08-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WESTERN ILLINOIS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0WEST
ReturnHeader/Filer/EIN0370817658
ReturnHeader/Filer/USAddress/AddressLine1Txt0200 E CHAMPAIGN AVENUE

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