Civic Intelligence

Lauhoff Employees Credit Union

990 • Fiscal year 2013 • EIN 37-6041409

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 30, 2014

Organization Profilelecuonline.org

Refreshing map…

329 E North StDanville, IL 61832

(217) 443-9837

Siviq Scores

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

Liabilities / Assets

22nd percentile

0.79x

Higher debt load relative to assets than 22% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Liabilities / Revenue

19th percentile

12.97x

Higher debt load relative to revenue than 19% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Net Margin

40th percentile

0.7%

Higher net margin than 40% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Top Officer Pay

66th percentile

$58,733

Higher top officer pay than 66% of similar nonprofits.

Top officer pay equals 18.5% of source-year revenue.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Asset Growth

32nd percentile

-2.1%

Faster asset growth than 32% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets22nd percentile

Assets

Down

$5,179,028

Down $108,689 (-2.1%) from 2012

Net Assets

Up

$1,069,146

Up $2,247 (+0.2%) from 2012

Liabilities

Down

$4,109,882

Down $110,936 (-2.6%) from 2012

Revenue And Expenses
Liabilities / Revenue19th percentileNet Margin40th percentile

Revenue

$316,762

No earlier filing loaded for comparison.

Expenses

Up

$314,515

Up $17,526 (+5.9%) from 2012

Net Income

$2,247

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth32nd percentile

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

$6.0M$4.0M$2.0M$0Assets 2011: $5,719,602Liabilities 2011: $4,654,672Net Assets 2011: $1,064,9302011Assets 2012: $5,287,717Liabilities 2012: $4,220,818Net Assets 2012: $1,066,8992012Assets 2013: $5,179,028Liabilities 2013: $4,109,882Net Assets 2013: $1,069,1462013Assets 2014: $5,550,369Liabilities 2014: $4,535,223Net Assets 2014: $1,015,1462014Assets 2015: $5,554,130Liabilities 2015: $4,620,026Net Assets 2015: $934,1042015Assets 2016: $5,314,977Liabilities 2016: $4,369,364Net Assets 2016: $945,6132016Assets 2017: $5,561,083Liabilities 2017: $4,604,560Net Assets 2017: $956,5232017Assets 2018: $4,836,605Liabilities 2018: $3,911,567Net Assets 2018: $925,0382018Assets 2019: $0Liabilities 2019: $0Net Assets 2019: $02019

Highlighted filing

2013

Assets$5,179,028
Liabilities$4,109,882
Net Assets$1,069,146
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400K$200K$0-$200KExpenses 2011: $311,4522011Expenses 2012: $296,9892012Revenue 2013: $316,762Expenses 2013: $314,515Net Income 2013: $2,2472013Revenue 2014: $313,873Expenses 2014: $367,871Net Income 2014: -$53,9982014Revenue 2015: $285,382Expenses 2015: $366,424Net Income 2015: -$81,0422015Revenue 2016: $293,190Expenses 2016: $281,681Net Income 2016: $11,5092016Revenue 2017: $275,790Expenses 2017: $264,880Net Income 2017: $10,9102017Revenue 2018: $281,711Expenses 2018: $313,196Net Income 2018: -$31,4852018Revenue 2019: $232,789Expenses 2019: $396,619Net Income 2019: -$163,8302019

Highlighted filing

2013

Revenue$316,762
Expenses$314,515
Net Income$2,247
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 30, 2014
Return Version
2013v3.1
Gross Receipts
$316,762
Mission and Program Overview

Mission

Lauhoff credit union provides members with low interest loans with

Lauhoff credit union provides members with low interest loans with a good rate of return on savings.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,887,228$3,899,166▲ $11,938
Rtn Earn Endowment Incm Other Fnds$1,066,899$1,069,146▲ $2,247
Savings and Temporary Cash Investments$1,174,877$614,035▼ $560,842
Investments in Publicly Traded Securities-$449,000-
Cash and Non-Interest-Bearing Accounts$193,640$148,581▼ $45,059
Land, Buildings, and Equipment, Net$29,648$23,942▼ $5,706
Prepaid Expenses and Deferred Charges$2,324$2,274▼ $50
Total Assets$5,287,717$5,179,028▼ $108,689
Other Assets Total-$42,030-
Liabilities
Other Liabilities$4,203,033$4,099,585▼ $103,448
Accounts Payable and Accrued Expenses$17,785$10,297▼ $7,488
Total Liabilities$4,220,818$4,109,882▼ $110,936
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,066,899$1,069,146▲ $2,247
Total Liabilities and Net Assets / Fund Balance$5,287,717$5,179,028▼ $108,689

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$23,942$33,774$57,716
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Denise WardManager/secretaryFT$57,022$1,711$58,733

Board Members and Trustees

NameTitle
Rex RichardsChairperson
Robert MackVice-chairperson
Carrie JohnsonDirector
David BarnesDirector
Robert Isaac JrDirector
Sherry TyserDirector
Sonna HallDirector
Nancy StrubingerSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$269,510
Investment Income
$7,078
Other Revenue
$40,174
Change in Net Assets
$2,247
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$187,402
Salaries, Compensation, and Employee Benefits$127,113
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$62,867
Current Officers, Directors, Trustees, and Key Employees---$58,733
Other Salaries and Wages---$54,925
Other Expenses---$28,455
All Other Expenses---$26,083
Depreciation Depletion---$10,357
Fees for Services Accounting---$9,776
Payroll Taxes---$9,071
Occupancy---$5,625
Insurance---$5,389
Conferences and Meetings---$5,257
Other Employee Benefits---$3,403
Pension Plan Contributions---$981
Total Functional Expenses$0$0$0$314,515
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$4,099,585
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
Filing and Contact Details

Filer

EIN
37-6041409
Phone
2174439837

Signing Officer

Name
Denise Ward
Title
Manager
Phone
2174439837
Signed
2014-04-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Denise Ward
Formed
1948
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
8
Employees
5
Volunteers
8

Preparer

Preparer
Brent J Lively
Phone
2178249661
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

“Copies of the final form 990 and schedules were made available to”

Pt VI, Line 11B

“Each board member prior to being filed with the irs. Board members”

Pt VI, Line 11B

“Were asked to review the return individually and to contact the return”

Pt VI, Line 11B

“Preparer, other board members, or executive officers with any”

Pt VI, Line 11B

“QUESTIONS OR CONCERNS.”

Pt VI, Line 6

“The credit union is a member owned financial institution.”

Pt VI, Line 7A

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

Pt VI, Line 7B

“From time to time, certain decisions will be presented to the membership”

Pt VI, Line 7B

“For a vote, which is determined on a case by case basis.”

Pt XII, Line 1

“The credit union maintains it's records on the modified cash”

Pt XII, Line 1

“Basis of accounting as required by the state of il department”

Pt XII, Line 1

“Of financial and professional regulation.”

Form 990, Part IX, Line 24F

“Dues 26122. Miscellaneous -39.”

Raw XML Appendix340 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0COPIES OF THE FINAL FORM 990 AND SCHEDULES WERE MADE AVAILABLE TO
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EACH BOARD MEMBER PRIOR TO BEING FILED WITH THE IRS. BOARD MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2WERE ASKED TO REVIEW THE RETURN INDIVIDUALLY AND TO CONTACT THE RETURN
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PREPARER, OTHER BOARD MEMBERS, OR EXECUTIVE OFFICERS WITH ANY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4QUESTIONS OR CONCERNS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION IS A MEMBER OWNED FINANCIAL INSTITUTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE GOVERNING BODY IS ELECTED FROM AND BY THE MEMBERSHIP ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FROM TIME TO TIME, CERTAIN DECISIONS WILL BE PRESENTED TO THE MEMBERSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FOR A VOTE, WHICH IS DETERMINED ON A CASE BY CASE BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9THE CREDIT UNION MAINTAINS IT'S RECORDS ON THE MODIFIED CASH
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10BASIS OF ACCOUNTING AS REQUIRED BY THE STATE OF IL DEPARTMENT
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11OF FINANCIAL AND PROFESSIONAL REGULATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12DUES 26122. MISCELLANEOUS -39.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 11b
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Pt XII, Line 1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Pt XII, Line 1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Pt XII, Line 1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990, Part IX, Line 24f
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05287717
IRS990/TotalAssetsEOYAmt05179028
IRS990/TotalAssetsGrp/BOYAmt05287717
IRS990/TotalAssetsGrp/EOYAmt05179028
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/TotalAmt0314515
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04220818
IRS990/TotalLiabilitiesEOYAmt04109882
IRS990/TotalLiabilitiesGrp/BOYAmt04220818
IRS990/TotalLiabilitiesGrp/EOYAmt04109882
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01066899
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01069146
IRS990/TotalOtherCompensationAmt01711
IRS990/TotalProgramServiceRevenueAmt0269510
IRS990/TotalReportableCompFromOrgAmt057022
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0316762
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0316762
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05287717
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05179028
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10329 E NORTH ST
IRS990/USAddress/City0DANVILLE
IRS990/USAddress/State0IL
IRS990/USAddress/ZIPCode061832
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0lecuonline.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DENISE WARD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum02174439837
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-30
ReturnHeader/Filer/BusinessName/BusinessNameLine10LAUHOFF EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0LAUH
ReturnHeader/Filer/EIN0376041409
ReturnHeader/Filer/PhoneNum02174439837
ReturnHeader/Filer/USAddress/AddressLine10329 E NORTH ST
ReturnHeader/Filer/USAddress/City0DANVILLE
ReturnHeader/Filer/USAddress/State0IL
ReturnHeader/Filer/USAddress/ZIPCode061832
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10LMHN LTD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10900 N Webster St PO Box 87
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Taylorville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode062568
ReturnHeader/PreparerPersonGrp/PhoneNum02178249661
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-09
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT J LIVELY
ReturnHeader/ReturnTs02014-05-09T05:53:31-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,179,028
Liabilities
$4,109,882
Net assets
$1,069,146
Revenue
$316,762
Expenses
$314,515
Net income
$2,247
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.23$0.40$0.16
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.84$3.91$0.93$0.28$0.31$0.03
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.56$4.60$0.96$0.28$0.26$0.01
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.31$4.37$0.95$0.29$0.28$0.01
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.55$4.62$0.93$0.29$0.37$0.08
2014Detailed filing. Detailed filing data is available for this year.$5.55$4.54$1.02$0.31$0.37$0.05
2013Detailed filing. Detailed filing data is available for this year.$5.18$4.11$1.07$0.32$0.31$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.29$4.22$1.07$0.30
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.72$4.65$1.06$0.31