Civic Intelligence

Paris Hi Way Credit Union

990 • Fiscal year 2018 • EIN 37-6032003

Jan 01, 2018 to Dec 31, 2018 • Filed on Oct 07, 2019

Organization ProfileN/A
P O Box 610Paris, IL 61944

(217) 463-1772

Siviq Scores

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

Liabilities / Assets

54th percentile

0.85x

Higher debt load relative to assets than 54% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Liabilities / Revenue

76th percentile

22.17x

Higher debt load relative to revenue than 76% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Net Margin

74th percentile

17%

Higher net margin than 74% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Top Officer Pay

70th percentile

$66,389

Higher top officer pay than 70% of similar nonprofits.

Top officer pay equals 19.6% of source-year revenue.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Asset Growth

22nd percentile

-4.4%

Faster asset growth than 22% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2017 to 2018

Revenue Growth

57th percentile

9.5%

Faster revenue growth than 57% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets54th percentile

Assets

Down

$8,824,155

Down $406,544 (-4.4%) from 2017

Net Assets

Up

$1,316,666

Up $57,295 (+4.5%) from 2017

Liabilities

Down

$7,507,489

Down $463,839 (-5.8%) from 2017

Revenue And Expenses
Liabilities / Revenue76th percentileNet Margin74th percentile

Revenue

Up

$338,653

Up $29,338 (+9.5%) from 2017

Expenses

Up

$281,358

Up $38,727 (+16%) from 2017

Net Income

Down

$57,295

Down $9,389 (-14%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth22nd percentile

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

$15M$10M$5.0M$0Assets 2011: $7,614,055Liabilities 2011: $6,768,597Net Assets 2011: $845,4582011Assets 2012: $7,980,883Liabilities 2012: $7,019,263Net Assets 2012: $961,6202012Assets 2013: $8,646,096Liabilities 2013: $7,613,796Net Assets 2013: $1,032,3002013Assets 2014: $8,738,606Liabilities 2014: $7,660,749Net Assets 2014: $1,077,8572014Assets 2015: $8,802,554Liabilities 2015: $7,671,510Net Assets 2015: $1,131,0442015Assets 2016: $9,458,730Liabilities 2016: $8,266,043Net Assets 2016: $1,192,6872016Assets 2017: $9,230,699Liabilities 2017: $7,971,328Net Assets 2017: $1,259,3712017Assets 2018: $8,824,155Liabilities 2018: $7,507,489Net Assets 2018: $1,316,6662018Assets 2019: $9,206,524Liabilities 2019: $7,845,212Net Assets 2019: $1,361,3122019Assets 2020: $10,035,036Liabilities 2020: $8,625,256Net Assets 2020: $1,409,7802020Assets 2021: $11,496,813Liabilities 2021: $10,008,946Net Assets 2021: $1,487,8672021Assets 2022: $11,412,867Liabilities 2022: $9,841,702Net Assets 2022: $1,571,1652022Assets 2023: $10,375,148Liabilities 2023: $8,771,959Net Assets 2023: $1,603,1892023

Highlighted filing

2018

Assets$8,824,155
Liabilities$7,507,489
Net Assets$1,316,666
Open 2018 Filing

Operations Trend

Revenue Growth57th percentile

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

$400K$300K$200K$100K$0Revenue 2011: $382,155Expenses 2011: $256,242Net Income 2011: $125,9132011Revenue 2012: $344,776Expenses 2012: $228,614Net Income 2012: $116,1622012Revenue 2013: $305,826Expenses 2013: $235,146Net Income 2013: $70,6802013Revenue 2014: $303,859Expenses 2014: $258,302Net Income 2014: $45,5572014Revenue 2015: $305,993Expenses 2015: $252,806Net Income 2015: $53,1872015Revenue 2016: $312,118Expenses 2016: $250,475Net Income 2016: $61,6432016Revenue 2017: $309,315Expenses 2017: $242,631Net Income 2017: $66,6842017Revenue 2018: $338,653Expenses 2018: $281,358Net Income 2018: $57,2952018Revenue 2019: $360,500Expenses 2019: $315,854Net Income 2019: $44,6462019Revenue 2020: $351,585Expenses 2020: $303,117Net Income 2020: $48,4682020Revenue 2021: $350,661Expenses 2021: $272,574Net Income 2021: $78,0872021Revenue 2022: $329,814Expenses 2022: $246,516Net Income 2022: $83,2982022Revenue 2023: $355,523Expenses 2023: $323,499Net Income 2023: $32,0242023

Highlighted filing

2018

Revenue$338,653
Expenses$281,358
Net Income$57,295
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Oct 7, 2019
Return Version
2018v3.1
Gross Receipts
$338,653
Mission and Program Overview

Mission

The paris hi-way credit union is a not-for-profit member owned financial organization. We are dedicated to providing convenient financial services to our members that will assure rates and terms that are competitive with other financial institutions, while maintaining financial stability.to assist our members in the management of their financial well-being by providing loans, savings accounts and other financial institution services in a friendly and professional manner.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$6,695,232$7,085,030▲ $389,798
Savings and Temporary Cash Investments$2,500,745$1,696,557▼ $804,188
Rtn Earn Endowment Incm Other Fnds$1,259,371$1,316,666▲ $57,295
Prepaid Expenses and Deferred Charges$20,927$29,546▲ $8,619
Land, Buildings, and Equipment, Net$1,216$110▼ $1,106
Cash and Non-Interest-Bearing Accounts-$0-
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-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$9,230,699$8,824,155▼ $406,544
Other Assets Total$12,579$12,912▲ $333
Liabilities
Other Liabilities$7,959,747$7,485,564▼ $474,183
Accounts Payable and Accrued Expenses$11,581$21,925▲ $10,344
Total Liabilities$7,971,328$7,507,489▼ $463,839
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,259,371$1,316,666▲ $57,295
Total Liabilities and Net Assets / Fund Balance$9,230,699$8,824,155▼ $406,544

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$110$24,212$24,322
Compensation and Service Providers
Top Officer Pay70th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Joann BaylerVice PresidentFT$66,389$66,389
Jill CoombesPresidentFT$50,514$50,514

Board Members and Trustees

NameTitle
Kensil GarnettChairman
Justin CearlockVice Chairman
Amanda HelanderBoard Member
Belinda CliftonBoard Member
Cale ShonkBoard Member
David SpeicherBoard Member
Jerry BensonBoard Member
Ron WagonerBoard Member
Kevin KnoepfelSecretary
Jason OgleTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$298,486
Investment Income
$33,957
Other Revenue
$6,210
Change in Net Assets
$57,295
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$153,297
Salaries, Compensation, and Employee Benefits$128,061
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---$116,903
Office Expenses---$14,594
Other Expenses---$9,501
Payroll Taxes---$8,627
Fees for Services Other---$7,547
Fees for Services Accounting---$5,500
All Other Expenses---$4,283
Other Salaries and Wages---$1,640
Conferences and Meetings---$1,360
Depreciation Depletion---$1,107
Other Employee Benefits---$891
Total Functional Expenses$0$0$0$281,358
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-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Share Certificates$7,485,564
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 11B: Form 990 Review Process

“The president reviews the 990 before it is filed.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“All governing documents and financial statements are available to public upon request.”

Filing and Contact Details

Filer

Filer Name
Paris Hi-way Credit Union
EIN
37-6032003
Phone
2174631772
Address
P O BOX 610, PARIS, IL 61944

Signing Officer

Name
Jill Coombes
Title
President
Signed
2019-10-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jill Coombes
Formed
1955
Legal Domicile
Il
Voting Board Members
10
Independent Board Members
10
Employees
2

Preparer

Firm
Holbert & Phipps LLP
Address
1098 Ohio Street, Terre Haute, IN 47807
Preparer
Carol a Holbert CPA
Phone
8122333082
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2: Change of Oversight or Selection Process

“Holbert & phipps, llp performed the annual supervisory audit and the supervisory committee reviewed the audit with the auditors.”

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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/OtherExpensesGrp/TotalAmt125000
IRS990/OtherExpensesGrp/TotalAmt214457
IRS990/OtherExpensesGrp/TotalAmt39501
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IRS990/OtherSalariesAndWagesGrp/TotalAmt01640
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt06695232
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt07085030
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IRS990/PayrollTaxesGrp/TotalAmt08627
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt029546
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IRS990/ProgramServiceRevenueGrp/Desc1LOAN APP/LATE FEES
IRS990/ProgramServiceRevenueGrp/Desc2MISCELLANEOUS
IRS990/ProgramServiceRevenueGrp/Desc3PENALTIES PAID BY MEMBER
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0288449
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt19370
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2315
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3352
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0288449
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt19370
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3352
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IRS990/PYProgramServiceRevenueAmt0279925
IRS990/PYRevenuesLessExpensesAmt066684
IRS990/PYSalariesCompEmpBnftPaidAmt0105462
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IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt057295
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IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/ReportOtherLiabilitiesInd0true
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt024212
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt024322
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IRS990ScheduleD/TotalLiabilityAmt07485564
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE PRESIDENT REVIEWS THE 990 BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE TO PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2HOLBERT & PHIPPS, LLP PERFORMED THE ANNUAL SUPERVISORY AUDIT AND THE SUPERVISORY COMMITTEE REVIEWED THE AUDIT WITH THE AUDITORS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part XII, Line 2: Change of Oversight or Selection Process
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IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
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IRS990/UponRequestInd0X
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IRS990/VotingMembersIndependentCnt010
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IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02020-01-14 16:20:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JILL COOMBES
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-10-07
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PARIS HI-WAY CREDIT UNION
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01098 Ohio Street
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Terre Haute
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ReturnHeader/PreparerPersonGrp/PhoneNum08122333082

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,824,155
Liabilities
$7,507,489
Net assets
$1,316,666
Revenue
$338,653
Expenses
$281,358
Net income
$57,295
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.4$8.77$1.60$0.36$0.32$0.03
2022Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$11.4$9.84$1.57$0.33$0.25$0.08
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.5$10.0$1.49$0.35$0.27$0.08
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.0$8.63$1.41$0.35$0.30$0.05
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.21$7.85$1.36$0.36$0.32$0.04
2018Detailed filing. Detailed filing data is available for this year.$8.82$7.51$1.32$0.34$0.28$0.06
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.23$7.97$1.26$0.31$0.24$0.07
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.46$8.27$1.19$0.31$0.25$0.06
2015Detailed filing. Detailed filing data is available for this year.$8.80$7.67$1.13$0.31$0.25$0.05
2014Summary only. Only limited summary data is available for this year.$8.74$7.66$1.08$0.30$0.26$0.05
2013Summary only. Only limited summary data is available for this year.$8.65$7.61$1.03$0.31$0.24$0.07
2012Summary only. Only limited summary data is available for this year.$7.98$7.02$0.96$0.34$0.23$0.12
2011Summary only. Only limited summary data is available for this year.$7.61$6.77$0.85$0.38$0.26$0.13
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2018 filings • 501(c)14 • $5M-$10M nonprofits