Civic Intelligence

Integrus Credit Union

990 • Fiscal year 2014 • EIN 42-0224025

Jan 01, 2014 to Dec 31, 2014 • Filed on May 20, 2015

Organization ProfileWWW.INTEGRUS CREDIT UNION.COM

View Organization Page

1200 Associates Drive No 101Dubuque, IA 52002

(563) 582-1141

Siviq Scores

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

Liabilities / Assets

85th percentile

0.91x

Higher debt load relative to assets than 85% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

63rd percentile

22.58x

Higher debt load relative to revenue than 63% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Net Margin

13th percentile

-8.3%

Higher net margin than 13% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

42nd percentile

$66,785

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 7.9% of source-year revenue.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Asset Growth

Score unavailable

No value available

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

Source year 2014

Revenue Growth

Score unavailable

No value available

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

Source year 2014

Balance Sheet
Liabilities / Assets85th percentile

Assets

Up

$20,959,351

Up $7,359,860 (+54%) from 2010

Net Assets

Up

$1,882,440

Up $313,782 (+20%) from 2010

Liabilities

Up

$19,076,911

Up $7,046,078 (+59%) from 2010

Revenue And Expenses
Liabilities / Revenue63rd percentileNet Margin13th percentile

Revenue

$844,877

No earlier filing loaded for comparison.

Expenses

Up

$915,291

Up $245,206 (+37%) from 2010

Net Income

-$70,414

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$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

2014

Assets$20,959,351
Liabilities$19,076,911
Net Assets$1,882,440
Open 2014 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2014

Revenue$844,877
Expenses$915,291
Net Income-$70,414
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 20, 2015
Return Version
2014v5.0
Gross Receipts
$854,608
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$14,206,407$16,556,673▲ $2,350,266
Investments Program Related$3,891,992$3,084,793▼ $807,199
Pd in Cap Srpls Land Bldg Eqp Fund$1,536,471$1,578,655▲ $42,184
Land, Buildings, and Equipment, Net$187,748$545,829▲ $358,081
Rtn Earn Endowment Incm Other Fnds$416,383$303,785▼ $112,598
Accounts Receivable$351$227,227▲ $226,876
Cash and Non-Interest-Bearing Accounts$146,652$212,829▲ $66,177
Prepaid Expenses and Deferred Charges$24,476$33,160▲ $8,684
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$18,662,743$20,959,351▲ $2,296,608
Other Assets Total$205,117$298,840▲ $93,723
Liabilities
Other Liabilities$16,669,867$17,859,323▲ $1,189,456
Unsecured Notes Loans Payable-$1,000,000-
Accounts Payable and Accrued Expenses$40,022$217,588▲ $177,566
Total Liabilities$16,709,889$19,076,911▲ $2,367,022
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,952,854$1,882,440▼ $70,414
Total Liabilities and Net Assets / Fund Balance$18,662,743$20,959,351▲ $2,296,608

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$458,242$78,042$536,284
Equipment$70,752$63,361$134,113
Other Land Buildings$16,835$9,998$26,833
Investment Program Related Org$2,115,433--
Compensation and Service Providers
Top Officer Pay42nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jonathon MillerPresidentFT$53,963$12,822$66,785
Randy SchmerbachVP Chief Lending OfficeFT$41,159$11,844$53,003
Amanda SchrabCOOFT$34,754$7,531$42,285

Board Members and Trustees

NameTitle
John HessAudit Comm. Chair
Craig BeytienCHAIRPERSON'
Doug GambrallCredit Comm. Chair
Andrew MccreadyVice Chairperson
Curtis LongAudit Comm.
James WackerAudit Comm.
Tammy DuehrAudit Comm.
Deb PulsCredit Comm.
Joseph CarterCredit Comm.
Ronald MarkusCredit Comm.
Judy KellySecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$641,175
Investment Income
$9,501
Other Revenue
$194,201
Change in Net Assets
$-70,414
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$539,880
Salaries, Compensation, and Employee Benefits$375,411
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$162,919--$162,919
Current Officers, Directors, Trustees, and Key Employees$162,073--$162,073
Interest$91,114--$91,114
All Other Expenses$76,643--$76,643
Occupancy$74,160--$74,160
Depreciation Depletion$50,707--$50,707
Office Expenses$48,518--$48,518
Advertising$40,949--$40,949
Payroll Taxes$27,643--$27,643
Information Technology$25,236--$25,236
Other Employee Benefits$13,901--$13,901
Payments to Affiliates$9,309--$9,309
Pension Plan Contributions$8,875--$8,875
Other Expenses$4,894--$4,894
Travel$4,568--$4,568
Conferences and Meetings$3,150--$3,150
Fees for Services Other$3,036--$3,036
Insurance$-9,095--$-9,095
Total Functional Expenses$915,291$0$0$915,291
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$17,859,323
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 11

“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
2015-05-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jonathon C Miller
Formed
1934
Legal Domicile
Ia
Voting Board Members
11
Independent Board Members
11
Employees
11
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
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IRS990/OtherRevenueMiscGrp/BusinessCd1722210
IRS990/OtherRevenueMiscGrp/Desc0SERVICE FEES
IRS990/OtherRevenueMiscGrp/Desc1CAFE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0105064
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0109935
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11337
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt04871
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt11337
IRS990/OtherRevenueTotalAmt0194201
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0162919
IRS990/OtherSalariesAndWagesGrp/TotalAmt0162919
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt014206407
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt016556673
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt09309
IRS990/PaymentsToAffiliatesGrp/TotalAmt09309
IRS990/PayrollTaxesGrp/ProgramServicesAmt027643
IRS990/PayrollTaxesGrp/TotalAmt027643
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt01536471
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt01578655
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt08875
IRS990/PensionPlanContributionsGrp/TotalAmt08875
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt024476
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt033160
IRS990/PrincipalOfficerNm0JONATHON C MILLER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0641175
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0641175
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt029943
IRS990/PYOtherExpensesAmt0501998
IRS990/PYOtherRevenueAmt0211280
IRS990/PYProgramServiceRevenueAmt0661609
IRS990/PYRevenuesLessExpensesAmt043886
IRS990/PYSalariesCompEmpBnftPaidAmt0356948
IRS990/PYTotalExpensesAmt0858946
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0902832
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0-70414
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt0819437
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0416383
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0303785
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0458242
IRS990ScheduleD/BuildingsGrp/DepreciationAmt078042
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0536284
IRS990ScheduleD/EquipmentGrp/BookValueAmt070752
IRS990ScheduleD/EquipmentGrp/DepreciationAmt063361
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0134113
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0300000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1425590
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2243770
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt32115433
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/BookValueAmt016835
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt09998
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt026833
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt017859323
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0545829
IRS990ScheduleD/TotalBookValueProgramRltdAmt03084793
IRS990ScheduleD/TotalLiabilityAmt017859323
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/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 11
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
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt018662743
IRS990/TotalAssetsEOYAmt020959351
IRS990/TotalAssetsGrp/BOYAmt018662743
IRS990/TotalAssetsGrp/EOYAmt020959351
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0915291
IRS990/TotalFunctionalExpensesGrp/TotalAmt0915291
IRS990/TotalGrossUBIAmt06208
IRS990/TotalLiabilitiesBOYAmt016709889
IRS990/TotalLiabilitiesEOYAmt019076911
IRS990/TotalLiabilitiesGrp/BOYAmt016709889
IRS990/TotalLiabilitiesGrp/EOYAmt019076911
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01952854
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01882440
IRS990/TotalOtherCompensationAmt032197
IRS990/TotalProgramServiceExpensesAmt0915291
IRS990/TotalProgramServiceRevenueAmt0641175
IRS990/TotalReportableCompFromOrgAmt0129876
IRS990/TotalRevenueGrp/ExclusionAmt019232
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0819437
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0844877
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt06208
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt018662743
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt020959351
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt04568

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$20,959,351
Liabilities
$19,076,911
Net assets
$1,882,440
Revenue
$844,877
Expenses
$915,291
Net income
-$70,414
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