Civic Intelligence

Western IL School Employees Cu

EIN 37-0818194 • 501(c)14 • Quincy, IL

Profile

To provide high-quality financial services to our members/owners and enhance their financial well-being while maintaining the financial strength of the credit union.

1416 MaineQuincy, IL 62301

www.wisecu.com

Siviq Scores

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

Liabilities / Assets

46th percentile

0.85x

Higher debt load relative to assets than 46% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2022

Liabilities / Revenue

96th percentile

35.05x

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

501(c)14 • $10M-$25M nonprofits • Source year 2022

Net Margin

75th percentile

18%

Higher net margin than 75% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

19th percentile

-5.6%

Faster asset growth than 19% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2021 to 2022

Revenue Growth

66th percentile

14%

Faster revenue growth than 66% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets46th percentile

Assets

Down

$22,400,429

Down $409,941 (-1.8%) from 2023

Liabilities

Down

$18,687,425

Down $515,988 (-2.7%) from 2023

Net Assets

Up

$3,713,004

Up $106,047 (+2.9%) from 2023

Operations
Liabilities / Revenue96th percentileNet Margin75th percentile

Revenue

Up

$1,029,439

Up $84,096 (+8.9%) from 2023

Expenses

Up

$923,392

Up $88,381 (+11%) from 2023

Net Income

Down

$106,047

Down $4,285 (-3.9%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth19th percentile

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

$30M$20M$10M$0Assets 2010: $17,720,900Liabilities 2010: $16,451,149Net Assets 2010: $1,269,7512010Assets 2011: $18,361,331Liabilities 2011: $16,950,879Net Assets 2011: $1,410,4522011Assets 2012: $20,765,941Liabilities 2012: $19,224,489Net Assets 2012: $1,541,4522012Assets 2013: $20,811,122Liabilities 2013: $19,106,395Net Assets 2013: $1,704,7272013Assets 2014: $21,088,260Liabilities 2014: $19,265,127Net Assets 2014: $1,823,1332014Assets 2015: $22,217,705Liabilities 2015: $20,196,160Net Assets 2015: $2,021,5452015Assets 2016: $22,686,537Liabilities 2016: $20,482,585Net Assets 2016: $2,203,9522016Assets 2017: $23,061,025Liabilities 2017: $20,622,797Net Assets 2017: $2,438,2282017Assets 2018: $21,970,913Liabilities 2018: $19,284,043Net Assets 2018: $2,686,8702018Assets 2019: $21,401,530Liabilities 2019: $18,496,506Net Assets 2019: $2,905,0242019Assets 2020: $22,321,095Liabilities 2020: $19,214,837Net Assets 2020: $3,106,2582020Assets 2021: $24,776,181Liabilities 2021: $21,401,886Net Assets 2021: $3,374,2952021Assets 2022: $23,388,287Liabilities 2022: $19,909,280Net Assets 2022: $3,479,0072022Assets 2023: $22,810,370Liabilities 2023: $19,203,413Net Assets 2023: $3,606,9572023Assets 2024: $22,400,429Liabilities 2024: $18,687,425Net Assets 2024: $3,713,0042024

Highlighted filing

2024

Assets$22,400,429
Liabilities$18,687,425
Net Assets$3,713,004
Open 2024 Filing

Operations Trend

Revenue Growth66th percentile

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

$1.5M$1.0M$500K$0Expenses 2010: $521,1232010Expenses 2011: $477,2802011Expenses 2012: $452,3102012Revenue 2013: $528,680Expenses 2013: $365,405Net Income 2013: $163,2752013Revenue 2014: $500,440Expenses 2014: $382,034Net Income 2014: $118,4062014Revenue 2015: $539,689Expenses 2015: $341,277Net Income 2015: $198,4122015Revenue 2016: $532,495Expenses 2016: $350,088Net Income 2016: $182,4072016Revenue 2017: $570,393Expenses 2017: $336,117Net Income 2017: $234,2762017Revenue 2018: $651,249Expenses 2018: $402,607Net Income 2018: $248,6422018Revenue 2019: $682,638Expenses 2019: $464,484Net Income 2019: $218,1542019Revenue 2020: $565,164Expenses 2020: $363,930Net Income 2020: $201,2342020Revenue 2021: $572,124Expenses 2021: $304,087Net Income 2021: $268,0372021Revenue 2022: $568,011Expenses 2022: $463,299Net Income 2022: $104,7122022Revenue 2023: $945,343Expenses 2023: $835,011Net Income 2023: $110,3322023Revenue 2024: $1,029,439Expenses 2024: $923,392Net Income 2024: $106,0472024

Highlighted filing

2024

Revenue$1,029,439
Expenses$923,392
Net Income$106,047
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$22,400,429
Liabilities
$18,687,425
Net assets
$3,713,004
Revenue
$1,029,439
Expenses
$923,392
Net income
$106,047
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$22.4$18.7$3.71$1.03$0.92$0.11
2023Detailed filing. Detailed filing data is available for this year.$22.8$19.2$3.61$0.95$0.84$0.11
2022Detailed filing. Detailed filing data is available for this year.$23.4$19.9$3.48$0.57$0.46$0.10
2021Detailed filing. Detailed filing data is available for this year.$24.8$21.4$3.37$0.57$0.30$0.27
2020Detailed filing. Detailed filing data is available for this year.$22.3$19.2$3.11$0.57$0.36$0.20
2019Detailed filing. Detailed filing data is available for this year.$21.4$18.5$2.91$0.68$0.46$0.22
2018Detailed filing. Detailed filing data is available for this year.$22.0$19.3$2.69$0.65$0.40$0.25
2017Detailed filing. Detailed filing data is available for this year.$23.1$20.6$2.44$0.57$0.34$0.23
2016Detailed filing. Detailed filing data is available for this year.$22.7$20.5$2.20$0.53$0.35$0.18
2015Detailed filing. Detailed filing data is available for this year.$22.2$20.2$2.02$0.54$0.34$0.20
2014Detailed filing. Detailed filing data is available for this year.$21.1$19.3$1.82$0.50$0.38$0.12
2013Detailed filing. Detailed filing data is available for this year.$20.8$19.1$1.70$0.53$0.37$0.16
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.8$19.2$1.54$0.45
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.4$17.0$1.41$0.48
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.7$16.5$1.27$0.52
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 24, 2025
Return Version
2024v5.0
Gross Receipts
$1,029,439
Mission and Program Overview

Mission

To provide high-quality financial services to our members/owners and enhance their financial well-being while maintaining the financial strength of the credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$17,535,809$17,326,207▼ $209,602
Rtn Earn Endowment Incm Other Fnds$3,606,957$3,713,004▲ $106,047
Investments Other Securities$3,370,000$2,950,000▼ $420,000
Savings and Temporary Cash Investments$954,228$1,345,796▲ $391,568
Cash and Non-Interest-Bearing Accounts$143,679$195,952▲ $52,273
Land, Buildings, and Equipment, Net$167,098$144,564▼ $22,534
Accounts Receivable$121,845$98,662▼ $23,183
Prepaid Expenses and Deferred Charges$185,096$94,908▼ $90,188
Pledges and Grants Receivable$74,763$3,111▼ $71,652
Total Assets$22,810,370$22,400,429▼ $409,941
Other Assets Total$257,852$241,229▼ $16,623
Liabilities
Other Liabilities$18,903,896$18,459,925▼ $443,971
Accounts Payable and Accrued Expenses$299,517$227,500▼ $72,017
Total Liabilities$19,203,413$18,687,425▼ $515,988
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,606,957$3,713,004▲ $106,047
Total Liabilities and Net Assets / Fund Balance$22,810,370$22,400,429▼ $409,941

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$144,564$48,514$193,078
Other Securities$2,950,000--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Amanda SparksTreasurerFT$34,408$34,408
Thomas ReynoldsTreasurer/prFT$5,416$5,416

Board Members and Trustees

NameTitle
Kathy GereckeChairwoman
Jennifer ScottVice Chairwo
George McdonnellCredit Comm
Linda SchreackeCredit Comm
Nora KlingeleCredit Comm
Sharon AusmusCredit Comm
Tracy BughCredit Comm.
Gina WhelanExec Comm
Melisssa FantzMembership C
Nicole FinneySecretary
Brad FunkenbuschSupervisory
Cheryl DreaslerSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$819,804
Investment Income
$187,210
Other Revenue
$22,425
Change in Net Assets
$106,047
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$687,956
Salaries, Compensation, and Employee Benefits$235,436
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$157,467--$157,467
Current Officers, Directors, Trustees, and Key Employees$39,824--$39,824
Information Technology$36,291--$36,291
All Other Expenses$31,632--$31,632
Depreciation Depletion$23,948--$23,948
Pension Plan Contributions$18,070--$18,070
Fees for Services Accounting$16,578$23-$16,601
Payroll Taxes$15,732--$15,732
Insurance$15,215--$15,215
Other Expenses$12,120--$12,120
Conferences and Meetings$5,240--$5,240
Office Expenses$4,653--$4,653
Other Employee Benefits$4,343--$4,343
Fees for Services Legal$3,007--$3,007
Advertising$425--$425
Total Functional Expenses$923,369$23$0$923,392
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
Shares$18,459,925
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“Yes. The organization is a member-owned credit union. The members have an annual meeting and the board of directors are elected by the members.”

Form 990, Page 6, Part VI, Line 7A

“Yes. The organization is a member-owned credit union. The members have an annual meeting and the board of directors are elected by the members.”

Form 990, Page 6, Part VI, Line 11B

“Treasurer makes the annual return available to all board members to review.”

Form 990, Page 6, Part VI, Line 15A

“Executive committee meets and reviews pres/treasurer's performance. They put together a proposal for the board to review and board reviews and approves the proposal.”

Form 990, Page 6, Part VI, Line 19

“AVAILABLE UPON REQUEST.”

Filing and Contact Details

Filer

Filer Name
Western Il School Employees Cu
EIN
37-0818194
Phone
2172242091
Address
1416 MAINE, QUINCY, IL 62301

Signing Officer

Name
Thomas Reynolds
Title
Treasurer/president
Phone
2172242091
Signed
2025-04-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kathy Gerecke
Formed
1936
Legal Domicile
Il
Voting Board Members
13
Independent Board Members
12
Employees
5
Volunteers
12

Preparer

Firm
Arnold Behrens Nesbit Gray Pc
Address
901 HAMPSHIRE ST, QUINCY, IL 62301
Preparer
Robert G Gray
Phone
2172247500
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“The members of the credit union's board donate their time to serve on the board. The board members attend monthly meetings and perform procedures to check different aspects of the credit union's daily activities, ie inspect loan files, check bank reconciliations, etc.”

Form 990, Part III

“Line 4a total loans in this section are presented at 17,640,361 which is the gross amount. This number differs from part x which has loans presented as 17,535,809 which is the net number including an allowance for loan losses of (104,552).”

Form 990, Part XI, Line 9

“CECL ADJUSTMENT 0”

Form 990, Part XII

“Line 2b the credit union received an independent audit, but it was as of a fiscal year-end that did not match its tax year-end.”

Raw XML AppendixShowing 400 of 412 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0299517
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0227500
IRS990/AccountsReceivableGrp/BOYAmt0121845
IRS990/AccountsReceivableGrp/EOYAmt098662
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO PROVIDE HIGH-QUALITY FINANCIAL SERVICES TO OUR MEMBERS/OWNERS AND ENHANCE THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/AdvertisingGrp/ProgramServicesAmt0425
IRS990/AdvertisingGrp/TotalAmt0425
IRS990/AllOtherExpensesGrp/ProgramServicesAmt031632
IRS990/AllOtherExpensesGrp/TotalAmt031632
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0THOMAS REYNOLDS
IRS990/BooksInCareOfDetail/PhoneNum02172242091
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01416 MAINE
IRS990/BooksInCareOfDetail/USAddress/CityNm0QUINCY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd062301
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0143679
IRS990/CashNonInterestBearingGrp/EOYAmt0195952
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt039824
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt039824
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt05240
IRS990/ConferencesMeetingsGrp/TotalAmt05240
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0187210
IRS990/CYOtherExpensesAmt0687956
IRS990/CYOtherRevenueAmt022425
IRS990/CYProgramServiceRevenueAmt0819804
IRS990/CYRevenuesLessExpensesAmt0106047
IRS990/CYSalariesCompEmpBnftPaidAmt0235436
IRS990/CYTotalExpensesAmt0923392
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01029439
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ProgramServicesAmt023948
IRS990/DepreciationDepletionGrp/TotalAmt023948
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY-RELATED SERVICES TO 1,725 MEMBERS. PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, THERE WERE 1,305 LOANS OUTSTANDING TOTALING 17,433,154. PAID DIVIDENDS ON MEMBER DEPOSITS TOTALED 499,743 FOR THE YEAR.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt05
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt0923369
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt023
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt016578
IRS990/FeesForServicesAccountingGrp/TotalAmt016601
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt03007
IRS990/FeesForServicesLegalGrp/TotalAmt03007
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt035.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt135.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt90.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt100.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt110.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt120.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt130.50
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/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd12X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd13X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
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/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/PersonNm0AMANDA SPARKS
IRS990/Form990PartVIISectionAGrp/PersonNm1THOMAS REYNOLDS
IRS990/Form990PartVIISectionAGrp/PersonNm2SHARON AUSMUS
IRS990/Form990PartVIISectionAGrp/PersonNm3TRACY BUGH
IRS990/Form990PartVIISectionAGrp/PersonNm4CHERYL DREASLER
IRS990/Form990PartVIISectionAGrp/PersonNm5MELISSSA FANTZ
IRS990/Form990PartVIISectionAGrp/PersonNm6NICOLE FINNEY
IRS990/Form990PartVIISectionAGrp/PersonNm7BRAD FUNKENBUSCH
IRS990/Form990PartVIISectionAGrp/PersonNm8KATHY GERECKE
IRS990/Form990PartVIISectionAGrp/PersonNm9NORA KLINGELE
IRS990/Form990PartVIISectionAGrp/PersonNm10GEORGE MCDONNELL
IRS990/Form990PartVIISectionAGrp/PersonNm11LINDA SCHREACKE
IRS990/Form990PartVIISectionAGrp/PersonNm12JENNIFER SCOTT
IRS990/Form990PartVIISectionAGrp/PersonNm13GINA WHELAN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt034408
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15416
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
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/TitleTxt0TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER/PR
IRS990/Form990PartVIISectionAGrp/TitleTxt2CREDIT COMM
IRS990/Form990PartVIISectionAGrp/TitleTxt3CREDIT COMM.
IRS990/Form990PartVIISectionAGrp/TitleTxt4SUPERVISORY
IRS990/Form990PartVIISectionAGrp/TitleTxt5MEMBERSHIP C
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt7SUPERVISORY
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHAIRWOMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt9CREDIT COMM
IRS990/Form990PartVIISectionAGrp/TitleTxt10CREDIT COMM
IRS990/Form990PartVIISectionAGrp/TitleTxt11CREDIT COMM
IRS990/Form990PartVIISectionAGrp/TitleTxt12VICE CHAIRWO
IRS990/Form990PartVIISectionAGrp/TitleTxt13EXEC COMM
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01936
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt013
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01029439
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt012
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InfoInScheduleOPartXInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt036291
IRS990/InformationTechnologyGrp/TotalAmt036291
IRS990/InsuranceGrp/ProgramServicesAmt015215
IRS990/InsuranceGrp/TotalAmt015215
IRS990/InvestmentIncomeGrp/ExclusionAmt0187210
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0187210
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt03370000
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt02950000
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt048514
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0167098
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0144564
IRS990/LandBldgEquipCostOrOtherBssAmt0193078
IRS990/LegalDomicileStateCd0IL
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO PROVIDE HIGH-QUALITY FINANCIAL SERVICES TO OUR MEMBERS/OWNERS AND ENHANCE THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03606957
IRS990/NetAssetsOrFundBalancesEOYAmt03713004
IRS990/NondeductibleContributionsInd0false
IRS990/OfficeExpensesGrp/ProgramServicesAmt04653
IRS990/OfficeExpensesGrp/TotalAmt04653
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0257852
IRS990/OtherAssetsTotalGrp/EOYAmt0241229
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt04343
IRS990/OtherEmployeeBenefitsGrp/TotalAmt04343
IRS990/OtherExpensesGrp/Desc0DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS -
IRS990/OtherExpensesGrp/Desc2SERVICING FEES- CULS
IRS990/OtherExpensesGrp/Desc3DFI ADMINISTRATION FEE
IRS990/OtherExpensesGrp/ProgramServicesAmt0499743
IRS990/OtherExpensesGrp/ProgramServicesAmt126683
IRS990/OtherExpensesGrp/ProgramServicesAmt212398
IRS990/OtherExpensesGrp/ProgramServicesAmt312120
IRS990/OtherExpensesGrp/TotalAmt0499743
IRS990/OtherExpensesGrp/TotalAmt126683
IRS990/OtherExpensesGrp/TotalAmt212398
IRS990/OtherExpensesGrp/TotalAmt312120
IRS990/OtherLiabilitiesGrp/BOYAmt018903896
IRS990/OtherLiabilitiesGrp/EOYAmt018459925
IRS990/OtherRevenueMiscGrp/Desc0OTHER INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt022425
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt022425
IRS990/OtherRevenueTotalAmt022425
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0157467
IRS990/OtherSalariesAndWagesGrp/TotalAmt0157467
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt017535809
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt017326207
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt015732
IRS990/PayrollTaxesGrp/TotalAmt015732
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt018070
IRS990/PensionPlanContributionsGrp/TotalAmt018070
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt074763
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt03111
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0185096
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt094908
IRS990/PrincipalOfficerNm0KATHY GERECKE
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1INTEREST ON LOANS - CULS
IRS990/ProgramServiceRevenueGrp/Desc2LATE FEES ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc3GAP INSURANCE INCOME
IRS990/ProgramServiceRevenueGrp/Desc4ENTRANCE FEES & FINE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0637094
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1172129
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt27422
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt33074
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt485
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0637094
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1172129
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt27422
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt33074
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt485
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0249781
IRS990/PYOtherExpensesAmt0621152
IRS990/PYOtherRevenueAmt024835
IRS990/PYProgramServiceRevenueAmt0670727
IRS990/PYRevenuesLessExpensesAmt0110332
IRS990/PYSalariesCompEmpBnftPaidAmt0213859
IRS990/PYTotalExpensesAmt0835011
IRS990/PYTotalRevenueAmt0945343
IRS990/ReconcilationRevenueExpnssAmt0106047
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0819804
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03606957
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03713004
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0954228
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01345796
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0144564
IRS990ScheduleD/BuildingsGrp/DepreciationAmt048514
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0193078
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt018459925
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt02950000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0SHORT-TERM INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0144564
IRS990ScheduleD/TotalBookValueSecuritiesAmt02950000
IRS990ScheduleD/TotalLiabilityAmt018459925
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE MEMBERS OF THE CREDIT UNION'S BOARD DONATE THEIR TIME TO SERVE ON THE BOARD. THE BOARD MEMBERS ATTEND MONTHLY MEETINGS AND PERFORM PROCEDURES TO CHECK DIFFERENT ASPECTS OF THE CREDIT UNION'S DAILY ACTIVITIES, IE INSPECT LOAN FILES, CHECK BANK RECONCILIATIONS, ETC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1LINE 4A TOTAL LOANS IN THIS SECTION ARE PRESENTED AT 17,640,361 WHICH IS THE GROSS AMOUNT. THIS NUMBER DIFFERS FROM PART X WHICH HAS LOANS PRESENTED AS 17,535,809 WHICH IS THE NET NUMBER INCLUDING AN ALLOWANCE FOR LOAN LOSSES OF (104,552).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2YES. THE ORGANIZATION IS A MEMBER-OWNED CREDIT UNION. THE MEMBERS HAVE AN ANNUAL MEETING AND THE BOARD OF DIRECTORS ARE ELECTED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3YES. THE ORGANIZATION IS A MEMBER-OWNED CREDIT UNION. THE MEMBERS HAVE AN ANNUAL MEETING AND THE BOARD OF DIRECTORS ARE ELECTED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4TREASURER MAKES THE ANNUAL RETURN AVAILABLE TO ALL BOARD MEMBERS TO REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EXECUTIVE COMMITTEE MEETS AND REVIEWS PRES/TREASURER'S PERFORMANCE. THEY PUT TOGETHER A PROPOSAL FOR THE BOARD TO REVIEW AND BOARD REVIEWS AND APPROVES THE PROPOSAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7CECL ADJUSTMENT 0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8LINE 2B THE CREDIT UNION RECEIVED AN INDEPENDENT AUDIT, BUT IT WAS AS OF A FISCAL YEAR-END THAT DID NOT MATCH ITS TAX YEAR-END.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART III
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XII
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt022810370
IRS990/TotalAssetsEOYAmt022400429
IRS990/TotalAssetsGrp/BOYAmt022810370
IRS990/TotalAssetsGrp/EOYAmt022400429
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt023
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0923369
IRS990/TotalFunctionalExpensesGrp/TotalAmt0923392
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt019203413
IRS990/TotalLiabilitiesEOYAmt018687425
IRS990/TotalLiabilitiesGrp/BOYAmt019203413
IRS990/TotalLiabilitiesGrp/EOYAmt018687425
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03606957
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03713004
IRS990/TotalProgramServiceExpensesAmt0923369
IRS990/TotalProgramServiceRevenueAmt0819804
IRS990/TotalReportableCompFromOrgAmt039824
IRS990/TotalRevenueGrp/ExclusionAmt0187210
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0842229
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01029439
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt022810370
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt022400429
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt013
IRS990/VotingMembersIndependentCnt012
IRS990/WebsiteAddressTxt0WWW.WISECU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0THOMAS REYNOLDS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER/PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum02172242091
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-24
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WESTERN IL SCHOOL EMPLOYEES CU
ReturnHeader/Filer/BusinessNameControlTxt0WEST
ReturnHeader/Filer/EIN0370818194
ReturnHeader/Filer/PhoneNum02172242091
ReturnHeader/Filer/USAddress/AddressLine1Txt01416 MAINE
ReturnHeader/Filer/USAddress/CityNm0QUINCY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd062301
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0371144423
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ARNOLD BEHRENS NESBIT GRAY PC

Document Assets

No mirrored PDF or thumbnail assets are attached yet.