Civic Intelligence

Madco Credit Union

990 • Fiscal year 2012 • EIN 37-1118625

Jan 01, 2012 to Dec 31, 2012 • Filed on May 14, 2013

Organization Profile
157 North Main Street Suite 3162025
Siviq Scores

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

Liabilities / Assets

3rd percentile

0.00x

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

2012 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

29th percentile

-1.6%

Faster asset growth than 29% of similar nonprofits.

2012 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Down

$1,347,619

Down $21,928 (-1.6%) from 2011

Net Assets

Down

$1,347,619

Down $22,090 (-1.6%) from 2011

Liabilities

Up

$0

Up $162 (+100%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$77,787

Up $11,101 (+17%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth29th percentile

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

$1.5M$1.0M$500K$0-$500KAssets 2010: $1,394,125Liabilities 2010: $1,147,978Net Assets 2010: $246,1472010Assets 2011: $1,369,547Liabilities 2011: -$162Net Assets 2011: $1,369,7092011Assets 2012: $1,347,619Liabilities 2012: $0Net Assets 2012: $1,347,6192012Assets 2013: $1,448,293Liabilities 2013: $2,428Net Assets 2013: $1,445,8652013Assets 2014: $1,453,265Liabilities 2014: $429Net Assets 2014: $1,452,8362014Assets 2015: $1,469,484Liabilities 2015: $1,271Net Assets 2015: $1,468,2132015

Highlighted filing

2012

Assets$1,347,619
Liabilities$0
Net Assets$1,347,619
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$100K$50K$0-$50KExpenses 2010: $68,4752010Expenses 2011: $66,6862011Expenses 2012: $77,7872012Revenue 2013: $59,856Expenses 2013: $60,597Net Income 2013: -$7412013Revenue 2014: $56,072Expenses 2014: $66,308Net Income 2014: -$10,2362014Revenue 2015: $56,874Expenses 2015: $64,927Net Income 2015: -$8,0532015

Highlighted filing

2012

Revenue-
Expenses$77,787
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 14, 2013
Return Version
2012v2.0
Gross Receipts
$63,975
Mission and Program Overview

Mission

The credit union operated without profit for mutual purposes.Providing members with share accounts and loans.

Major Activities

Activity 2
received deposits on savings from 595 members
Activity 3
Received deposits and issued Christmas Club checks to 144 members
Filing and Contact Details

Filer

EIN
37-1118625
Raw XML AppendixShowing 400 of 493 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/Activity3/Description0Received deposits and issued Christmas Club checks to 144 members
IRS990/ActivityOrMissionDescription0The main purpose of Madco Credit Union is to provide share accounts and loans to our members.
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IRS990ScheduleL/LoanTable/NamePerson2Peggy-Jo Batson
IRS990ScheduleL/LoanTable/NamePerson3Patricia Schaake
IRS990ScheduleL/LoanTable/NamePerson4Wendy Leonard
IRS990ScheduleL/LoanTable/NamePerson5Marcia Prater
IRS990ScheduleL/LoanTable/NamePerson6Joseph Dauderman
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IRS990ScheduleL/LoanTable/PurposeOfLoan1Camper
IRS990ScheduleL/LoanTable/PurposeOfLoan2Riding Mower
IRS990ScheduleL/LoanTable/PurposeOfLoan3Furnace
IRS990ScheduleL/LoanTable/PurposeOfLoan4Automobiles
IRS990ScheduleL/LoanTable/PurposeOfLoan5Truck
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IRS990ScheduleL/LoanTable/RelationshipWithOrganization2Dental Work
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IRS990ScheduleL/LoanTable/RelationshipWithOrganization4Director
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IRS990ScheduleL/LoanTable/RelationshipWithOrganization6Director
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IRS990ScheduleO/GeneralExplanation/Explanation0The former manager who retired in February, 2012 is the current manager who returned to work after daughter became to ill to work.
IRS990ScheduleO/GeneralExplanation/Explanation1The credit union is made up of 595 members, each having to meet the qualifications set forth by the field of membership.
IRS990ScheduleO/GeneralExplanation/Explanation2Allmembers who attend the annual organizational meeting can cast a vote for the Board of Directors to remain in office or appoint new members to the board.
IRS990ScheduleO/GeneralExplanation/Explanation3The 990 is presented at the monthy meeting prior to the filing of the 990. Each member of the board is given a copy to review and comment on.
IRS990ScheduleO/GeneralExplanation/Explanation4The hourly salary of the staff employees is determined by the Board of Directors. The exsisiting manager receives $14.50 per hour and other employees receive between $10.00 and $11.00 per hour. The Treasurer/President/CEO receives a monthly salary of $1,100.00. Changes in salary are reviewed each year at the annual meeting in February.
IRS990ScheduleO/GeneralExplanation/Explanation5All documents pertaining to the 990 including financial information is available for public viewing in the office located at 157 North Main Street, Suite 31, Edwardsville, Illinois 62025. The financial statements are only on display in the credit union, but form 990 is available to review upon request. All governing documents are available for members to review at this location.
IRS990ScheduleO/GeneralExplanation/Explanation6There is no possible way to make lines 33 and 10 match and also make lines 34 and 16 match if you include the total liabiities of $1,638.00.
IRS990ScheduleO/GeneralExplanation/Explanation7Changes resulted in a variance of cash deposits as well as member paid dividends. Cash deposits change daily and dividends vary from month to month.
IRS990ScheduleO/GeneralExplanation/Identifier0F990_P06_S0A_L02
IRS990ScheduleO/GeneralExplanation/Identifier1F990_P06_S0A_L06
IRS990ScheduleO/GeneralExplanation/Identifier2F990_P06_S0A_L07a
IRS990ScheduleO/GeneralExplanation/Identifier3F990_P06_S0B_L11b
IRS990ScheduleO/GeneralExplanation/Identifier4F990_P06_S0B_L15
IRS990ScheduleO/GeneralExplanation/Identifier5F990_P06_S0C_L19
IRS990ScheduleO/GeneralExplanation/Identifier6F990_P10_S00_L34
IRS990ScheduleO/GeneralExplanation/Identifier7F990_P11_S00_L09
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Section A, Line 2
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Section C, Line 19

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$1,347,619
Liabilities
$0
Net assets
$1,347,619
Revenue
-
Expenses
$77,787
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$1.47$0.00$1.47$0.06$0.06$0.01
2014Detailed filing. Detailed filing data is available for this year.$1.45$0.00$1.45$0.06$0.07$0.01
2013Detailed filing. Detailed filing data is available for this year.$1.45$0.00$1.45$0.06$0.06$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.35$0.00$1.35$0.08
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.37$0.00$1.37$0.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.39$1.15$0.25$0.07