Civic Intelligence

Integrus Credit Union

EIN 42-0224025 • 501(c)14 • Dubuque, IA

View Organization Page

Profile

The integrus credit union operates for the primary purpose of promoting thrift, providing credit at reasonable rates, and providing other financial services to its members.

1200 Associates Drive No 101Dubuque, IA 52002

www.integrus credit union.com

Siviq Scores

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

Liabilities / Assets

86th percentile

0.92x

Higher debt load relative to assets than 86% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

50th percentile

17.59x

Higher debt load relative to revenue than 50% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

64th percentile

15%

Higher net margin than 64% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

94th percentile

10%

Faster asset growth than 94% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2016

Revenue Growth

84th percentile

25%

Faster revenue growth than 84% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2016

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$25,365,745

Up $5,250,980 (+26%) from 2015

Liabilities

Up

$23,236,803

Up $5,023,358 (+28%) from 2015

Net Assets

Up

$2,128,942

Up $227,622 (+12%) from 2015

Operations
Liabilities / Revenue50th percentileNet Margin64th percentile

Revenue

Up

$1,320,860

Up $390,805 (+42%) from 2015

Expenses

Up

$1,127,048

Up $215,872 (+24%) from 2015

Net Income

Up

$193,812

Up $174,933 (+927%) from 2015

Trend Graphs

Balance Sheet Trend

Asset Growth94th percentile

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

$30M$20M$10M$0Assets 2010: $13,599,491Liabilities 2010: $12,030,833Net Assets 2010: $1,568,6582010Assets 2014: $20,959,351Liabilities 2014: $19,076,911Net Assets 2014: $1,882,4402014Assets 2015: $20,114,765Liabilities 2015: $18,213,445Net Assets 2015: $1,901,3202015Assets 2016: $25,365,745Liabilities 2016: $23,236,803Net Assets 2016: $2,128,9422016

Highlighted filing

2016

Assets$25,365,745
Liabilities$23,236,803
Net Assets$2,128,942
Open 2016 Filing

Operations Trend

Revenue Growth84th percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $670,0852010Revenue 2014: $844,877Expenses 2014: $915,291Net Income 2014: -$70,4142014Revenue 2015: $930,055Expenses 2015: $911,176Net Income 2015: $18,8792015Revenue 2016: $1,320,860Expenses 2016: $1,127,048Net Income 2016: $193,8122016

Highlighted filing

2016

Revenue$1,320,860
Expenses$1,127,048
Net Income$193,812
Open 2016 Filing

Filings

Most recent year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$25,365,745
Liabilities
$23,236,803
Net assets
$2,128,942
Revenue
$1,320,860
Expenses
$1,127,048
Net income
$193,812
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$25.4$23.2$2.13$1.32$1.13$0.19
2015Detailed filing. Detailed filing data is available for this year.$20.1$18.2$1.90$0.93$0.91$0.02
2014Detailed filing. Detailed filing data is available for this year.$21.0$19.1$1.88$0.84$0.92$0.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.6$12.0$1.57$0.67
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jul 31, 2017
Return Version
2016v3.0
Gross Receipts
$1,419,231
Mission and Program Overview

Mission

The integrus credit union operates for the primary purpose of promoting thrift, providing credit at reasonable rates, and providing other financial services to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$15,652,904$20,880,527▲ $5,227,623
Investments Program Related$3,374,628$3,518,737▲ $144,109
Pd in Cap Srpls Land Bldg Eqp Fund$1,555,098$1,829,787▲ $274,689
Land, Buildings, and Equipment, Net$464,060$387,273▼ $76,787
Rtn Earn Endowment Incm Other Fnds$346,222$299,155▼ $47,067
Cash and Non-Interest-Bearing Accounts$269,808$212,298▼ $57,510
Accounts Receivable$0$52,530▲ $52,530
Prepaid Expenses and Deferred Charges$52,876$44,284▼ $8,592
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$20,114,765$25,365,745▲ $5,250,980
Other Assets Total$300,489$270,096▼ $30,393
Liabilities
Other Liabilities$18,145,108$22,185,697▲ $4,040,589
Unsecured Notes Loans Payable$0$1,000,000▲ $1,000,000
Accounts Payable and Accrued Expenses$68,337$51,106▼ $17,231
Total Liabilities$18,213,445$23,236,803▲ $5,023,358
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,901,320$2,128,942▲ $227,622
Total Liabilities and Net Assets / Fund Balance$20,114,765$25,365,745▲ $5,250,980

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$331,497$188,087$519,584
Equipment$53,477$97,042$150,519
Other Land Buildings$2,299$6,820$9,119
Investment Program Related Org$2,557,379--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jonathon MillerPresidentFT$62,951$2,783$65,734
Amanda SchrabCOOFT$36,731$1,774$38,505

Board Members and Trustees

NameTitle
Craig BeytienChairperson
Doug GambrallCredit Comm. Chair
Andrew MccreadyVice Chairperson
Calsey BradleyAudit Comm.
Curtis LongAudit Comm.
Tammy DuehrAudit Comm.
Deb PulsCredit Comm.
Joseph CarterCredit Comm.
Judy KellySecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$893,996
Investment Income
$10,569
Other Revenue
$416,295
Change in Net Assets
$193,812
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$733,895
Salaries, Compensation, and Employee Benefits$393,153
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$194,317--$194,317
Current Officers, Directors, Trustees, and Key Employees$104,239--$104,239
Depreciation Depletion$102,009--$102,009
Interest$96,788--$96,788
Occupancy$92,224--$92,224
Other Employee Benefits$58,704--$58,704
Office Expenses$45,792--$45,792
All Other Expenses$40,359--$40,359
Information Technology$39,936--$39,936
Advertising$39,446--$39,446
Other Expenses$33,646--$33,646
Payroll Taxes$33,643--$33,643
Travel$14,137--$14,137
Payments to Affiliates$10,225--$10,225
Fees for Services Other$3,002--$3,002
Conferences and Meetings$2,400--$2,400
Pension Plan Contributions$2,250--$2,250
Total Functional Expenses$1,127,048$0$0$1,127,048
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
Members Shares$22,185,697
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
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
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

“Integrus credit unions is supported by its members.”

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

“At the annual meeting all present members casted ballots to elect 5 members to sit on the board of directors.”

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

“Members vote on any item that impacts membership, name, or bylaws of the credit union.”

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

“The organization senior management reviews the form 990 after it has been prepared by the organization's cpa firm. The form 990 is then reviewed by the board of directors and is approved for filing.”

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

“Conflict of interest policy is reviewed annually.”

Form 990, Part VI, Section B, Line 15A

“The compensation committe meets and reivews the ceo's work. They use many surveys provided to come up with a compensation package for the ceo for the following year. Approval of compensation is subject to a vote by the board of directors.”

Form 990, Part VI, Section C, Line 19

“Documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Integrus Credit Union
EIN
42-0224025
Phone
5635821141
Address
1200 ASSOCIATES DRIVE NO 101, DUBUQUE, IA 52002

Signing Officer

Name
Jonathon C Miller
Title
CEO
Phone
5635821141
Signed
2017-07-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jonathon C Miller
Formed
1934
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
0
Volunteers
0

Preparer

Firm
Gardiner Thomsen
Address
10555 NEW YORK AVENUE SUITE 200, DES MOINES, IA 50322
Preparer
C L Telk Jr CPA
Phone
5152701446
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“NEW SERVER 33,810.”

Raw XML AppendixShowing 400 of 433 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/OtherRevenueMiscGrp/TotalRevenueColumnAmt0138676
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt143526
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt21087
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt04846
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt11087
IRS990/OtherRevenueTotalAmt0416295
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0194317
IRS990/OtherSalariesAndWagesGrp/TotalAmt0194317
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt015652904
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt020880527
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt010225
IRS990/PaymentsToAffiliatesGrp/TotalAmt010225
IRS990/PayrollTaxesGrp/ProgramServicesAmt033643
IRS990/PayrollTaxesGrp/TotalAmt033643
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt01555098
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt01829787
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt02250
IRS990/PensionPlanContributionsGrp/TotalAmt02250
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt052876
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt044284
IRS990/PrincipalOfficerNm0JONATHON C MILLER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0893996
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0893996
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0-2781
IRS990/PYOtherExpensesAmt0571047
IRS990/PYOtherRevenueAmt0271017
IRS990/PYProgramServiceRevenueAmt0661819
IRS990/PYRevenuesLessExpensesAmt018879
IRS990/PYSalariesCompEmpBnftPaidAmt0340129
IRS990/PYTotalExpensesAmt0911176
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0930055
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0193812
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt01299664
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0346222
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0299155
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0331497
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0188087
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0519584
IRS990ScheduleD/EquipmentGrp/BookValueAmt053477
IRS990ScheduleD/EquipmentGrp/DepreciationAmt097042
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0150519
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0300000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1407155
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2254203
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt32557379
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCB RESERVE
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CUSO INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2INVESTMENT IN BANKS/CREDIT UNIONS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3OTHER INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt02299
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt06820
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt09119
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt022185697
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0387273
IRS990ScheduleD/TotalBookValueProgramRltdAmt03518737
IRS990ScheduleD/TotalLiabilityAmt022185697
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0INTEGRUS CREDIT UNIONS IS SUPPORTED BY ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1AT THE ANNUAL MEETING ALL PRESENT MEMBERS CASTED BALLOTS TO ELECT 5 MEMBERS TO SIT ON THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS VOTE ON ANY ITEM THAT IMPACTS MEMBERSHIP, NAME, OR BYLAWS OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION SENIOR MANAGEMENT REVIEWS THE FORM 990 AFTER IT HAS BEEN PREPARED BY THE ORGANIZATION'S CPA FIRM. THE FORM 990 IS THEN REVIEWED BY THE BOARD OF DIRECTORS AND IS APPROVED FOR FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CONFLICT OF INTEREST POLICY IS REVIEWED ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE COMPENSATION COMMITTE MEETS AND REIVEWS THE CEO'S WORK. THEY USE MANY SURVEYS PROVIDED TO COME UP WITH A COMPENSATION PACKAGE FOR THE CEO FOR THE FOLLOWING YEAR. APPROVAL OF COMPENSATION IS SUBJECT TO A VOTE BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DOCUMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7NEW SERVER 33,810.
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 B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt020114765
IRS990/TotalAssetsEOYAmt025365745
IRS990/TotalAssetsGrp/BOYAmt020114765
IRS990/TotalAssetsGrp/EOYAmt025365745
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01127048
IRS990/TotalFunctionalExpensesGrp/TotalAmt01127048
IRS990/TotalGrossUBIAmt05933
IRS990/TotalLiabilitiesBOYAmt018213445
IRS990/TotalLiabilitiesEOYAmt023236803
IRS990/TotalLiabilitiesGrp/BOYAmt018213445
IRS990/TotalLiabilitiesGrp/EOYAmt023236803
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01901320
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02128942
IRS990/TotalOtherCompensationAmt04557
IRS990/TotalProgramServiceExpensesAmt01127048
IRS990/TotalProgramServiceRevenueAmt0893996
IRS990/TotalReportableCompFromOrgAmt099682
IRS990/TotalRevenueGrp/ExclusionAmt015263
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01299664
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01320860
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt05933
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt020114765
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt025365745
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt014137
IRS990/TravelGrp/TotalAmt014137
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt00
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt01000000
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01200 ASSOCIATES DRIVE NO 101
IRS990/USAddress/CityNm0DUBUQUE
IRS990/USAddress/StateAbbreviationCd0IA
IRS990/USAddress/ZIPCd052002
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.INTEGRUS CREDIT UNION.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02017-02-10 21:41:12Z

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