Civic Intelligence

Integrus Credit Union

990 • Fiscal year 2015 • EIN 42-0224025

Jan 01, 2015 to Dec 31, 2015 • Filed on May 20, 2016

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

78th percentile

0.91x

Higher debt load relative to assets than 78% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

45th percentile

19.58x

Higher debt load relative to revenue than 45% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

33rd percentile

2.0%

Higher net margin than 33% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

42nd percentile

$69,238

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 7.4% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

6th percentile

-4.0%

Faster asset growth than 6% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

89th percentile

10%

Faster revenue growth than 89% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets78th percentile

Assets

Down

$20,114,765

Down $844,586 (-4.0%) from 2014

Net Assets

Up

$1,901,320

Up $18,880 (+1.0%) from 2014

Liabilities

Down

$18,213,445

Down $863,466 (-4.5%) from 2014

Revenue And Expenses
Liabilities / Revenue45th percentileNet Margin33rd percentile

Revenue

Up

$930,055

Up $85,178 (+10%) from 2014

Expenses

Down

$911,176

Down $4,115 (-0.4%) from 2014

Net Income

Up

$18,879

Up $89,293 (+127%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth6th percentile

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

2015

Assets$20,114,765
Liabilities$18,213,445
Net Assets$1,901,320
Open 2015 Filing

Operations Trend

Revenue Growth89th percentile

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

2015

Revenue$930,055
Expenses$911,176
Net Income$18,879
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 20, 2016
Return Version
2015v2.1
Gross Receipts
$950,791
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$16,556,673$15,652,904▼ $903,769
Investments Program Related$3,084,793$3,374,628▲ $289,835
Pd in Cap Srpls Land Bldg Eqp Fund$1,578,655$1,555,098▼ $23,557
Land, Buildings, and Equipment, Net$545,829$464,060▼ $81,769
Rtn Earn Endowment Incm Other Fnds$303,785$346,222▲ $42,437
Cash and Non-Interest-Bearing Accounts$212,829$269,808▲ $56,979
Accounts Receivable$227,227$0▼ $227,227
Prepaid Expenses and Deferred Charges$33,160$52,876▲ $19,716
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$20,959,351$20,114,765▼ $844,586
Other Assets Total$298,840$300,489▲ $1,649
Liabilities
Other Liabilities$17,859,323$18,145,108▲ $285,785
Unsecured Notes Loans Payable$1,000,000$0▼ $1,000,000
Accounts Payable and Accrued Expenses$217,588$68,337▼ $149,251
Total Liabilities$19,076,911$18,213,445▼ $863,466
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,882,440$1,901,320▲ $18,880
Total Liabilities and Net Assets / Fund Balance$20,959,351$20,114,765▼ $844,586

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$331,963$116,722$448,685
Equipment$113,790$77,057$190,847
Other Land Buildings$18,307$16,412$34,719
Investment Program Related Org$2,447,274--
Compensation and Service Providers
Top Officer Pay42nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jonathon MillerPresidentFT$59,931$9,307$69,238
Randy SchmerbachVP Chief Lending OfficeFT$48,232$8,743$56,975
Amanda SchrabCOOFT$34,135$8,153$42,288

Board Members and Trustees

NameTitle
John HessAudit 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
$661,819
Investment Income
$-2,781
Other Revenue
$271,017
Change in Net Assets
$18,879
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$571,047
Salaries, Compensation, and Employee Benefits$340,129
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$265,269--$265,269
Depreciation Depletion$94,854--$94,854
Occupancy$91,927--$91,927
Interest$82,600--$82,600
Other Employee Benefits$45,510--$45,510
Office Expenses$39,966--$39,966
Information Technology$35,421--$35,421
Advertising$33,866--$33,866
All Other Expenses$31,872--$31,872
Payroll Taxes$23,635--$23,635
Payments to Affiliates$10,168--$10,168
Travel$7,795--$7,795
Pension Plan Contributions$5,715--$5,715
Fees for Services Other$5,680--$5,680
Other Expenses$5,580$7,392-$5,580
Conferences and Meetings$3,050--$3,050
Total Functional Expenses$903,784$7,392$0$911,176
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$18,145,108
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
2016-05-20
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
14
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:

“ROUNDING 1.”

Raw XML AppendixShowing 400 of 446 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/OtherExpensesGrp/TotalAmt27392
IRS990/OtherExpensesGrp/TotalAmt35580
IRS990/OtherLiabilitiesGrp/BOYAmt017859323
IRS990/OtherLiabilitiesGrp/EOYAmt018145108
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2522100
IRS990/OtherRevenueMiscGrp/Desc0SERVICE FEES
IRS990/OtherRevenueMiscGrp/Desc1DEBIT/CREDIT CARD INCO
IRS990/OtherRevenueMiscGrp/Desc2CAFE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0179467
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt132601
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0179467
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt137841
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt23451
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt05240
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt13451
IRS990/OtherRevenueTotalAmt0271017
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0265269
IRS990/OtherSalariesAndWagesGrp/TotalAmt0265269
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt016556673
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt015652904
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt010168
IRS990/PaymentsToAffiliatesGrp/TotalAmt010168
IRS990/PayrollTaxesGrp/ProgramServicesAmt023635
IRS990/PayrollTaxesGrp/TotalAmt023635
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt01578655
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt01555098
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt05715
IRS990/PensionPlanContributionsGrp/TotalAmt05715
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt033160
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt052876
IRS990/PrincipalOfficerNm0JONATHON C MILLER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0661819
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0661819
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt09501
IRS990/PYOtherExpensesAmt0539880
IRS990/PYOtherRevenueAmt0194201
IRS990/PYProgramServiceRevenueAmt0641175
IRS990/PYRevenuesLessExpensesAmt0-70414
IRS990/PYSalariesCompEmpBnftPaidAmt0375411
IRS990/PYTotalExpensesAmt0915291
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0844877
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt018879
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt0903409
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0303785
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0346222
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0113790
IRS990ScheduleD/EquipmentGrp/DepreciationAmt077057
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0190847
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0300000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1416951
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2210403
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt32447274
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/LeaseholdImprovementsGrp/BookValueAmt0331963
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0116722
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0448685
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt018307
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt016412
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt034719
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt018145108
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0464060
IRS990ScheduleD/TotalBookValueProgramRltdAmt03374628
IRS990ScheduleD/TotalLiabilityAmt018145108
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/ExplanationTxt7ROUNDING 1.
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
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/TotalAssetsBOYAmt020959351
IRS990/TotalAssetsEOYAmt020114765
IRS990/TotalAssetsGrp/BOYAmt020959351
IRS990/TotalAssetsGrp/EOYAmt020114765
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt014
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt07392
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0903784
IRS990/TotalFunctionalExpensesGrp/TotalAmt0911176
IRS990/TotalGrossUBIAmt08691
IRS990/TotalLiabilitiesBOYAmt019076911
IRS990/TotalLiabilitiesEOYAmt018213445
IRS990/TotalLiabilitiesGrp/BOYAmt019076911
IRS990/TotalLiabilitiesGrp/EOYAmt018213445
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01882440
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01901320
IRS990/TotalOtherCompensationAmt026203
IRS990/TotalProgramServiceExpensesAmt0903784
IRS990/TotalProgramServiceRevenueAmt0661819
IRS990/TotalReportableCompFromOrgAmt0142298
IRS990/TotalRevenueGrp/ExclusionAmt017955
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0903409
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0930055
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt08691

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$20,114,765
Liabilities
$18,213,445
Net assets
$1,901,320
Revenue
$930,055
Expenses
$911,176
Net income
$18,879
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