Civic Intelligence

Unknown Organization

990 • Fiscal year 2013 • EIN 42-0698776

Jan 01, 2013 to Dec 31, 2013 • Filed on Oct 31, 2014

Organization ProfileWWW.ICCU.ORG

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3999 Pennsylvania Ave52002

(563) 557-7600

Siviq Scores

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Balance Sheet

Assets

Up

$78,370,822

Up $441,365 (+0.6%) from 2011

Net Assets

Up

$7,781,059

Up $1,112,533 (+17%) from 2011

Liabilities

Down

$70,589,763

Down $671,168 (-0.9%) from 2011

Revenue And Expenses

Revenue

$4,064,720

No earlier filing loaded for comparison.

Expenses

Down

$3,667,187

Down $353,327 (-8.8%) from 2011

Net Income

$397,533

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$80M$60M$40M$20M$0Assets 2010: $76,618,556Liabilities 2010: $70,106,040Net Assets 2010: $6,512,5162010Assets 2011: $77,929,457Liabilities 2011: $71,260,931Net Assets 2011: $6,668,5262011Assets 2013: $78,370,822Liabilities 2013: $70,589,763Net Assets 2013: $7,781,0592013

Highlighted filing

2013

Assets$78,370,822
Liabilities$70,589,763
Net Assets$7,781,059
Open 2013 Filing

Operations Trend

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

$6.0M$4.0M$2.0M$0Expenses 2010: $4,026,1872010Expenses 2011: $4,020,5142011Revenue 2013: $4,064,720Expenses 2013: $3,667,187Net Income 2013: $397,5332013

Highlighted filing

2013

Revenue$4,064,720
Expenses$3,667,187
Net Income$397,533
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Oct 31, 2014
Return Version
2013v3.1
Gross Receipts
$4,064,720
Mission and Program Overview

Mission

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$51,078,356$54,395,438▲ $3,317,082
Savings and Temporary Cash Investments$22,121,935$16,331,727▼ $5,790,208
Rtn Earn Endowment Incm Other Fnds$4,233,526$4,531,059▲ $297,533
Pd in Cap Srpls Land Bldg Eqp Fund$3,150,000$3,250,000▲ $100,000
Receivables From Officers Etc$1,968,406$1,981,026▲ $12,620
Land, Buildings, and Equipment, Net$1,819,551$1,839,316▲ $19,765
Cash and Non-Interest-Bearing Accounts$1,230,303$1,296,166▲ $65,863
Prepaid Expenses and Deferred Charges$155,991$80,195▼ $75,796
Total Assets$80,850,819$78,370,822▼ $2,479,997
Other Assets Total$2,476,277$2,446,954▼ $29,323
Liabilities
Other Liabilities$67,840,620$65,091,537▼ $2,749,083
Mortgage Notes Payable Secured by Investment Property$5,000,000$5,000,000→ $0
Accounts Payable and Accrued Expenses$626,673$498,226▼ $128,447
Total Liabilities$73,467,293$70,589,763▼ $2,877,530
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,383,526$7,781,059▲ $397,533
Total Liabilities and Net Assets / Fund Balance$80,850,819$78,370,822▼ $2,479,997

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,414,526$646,293$2,060,819
Equipment$96,969$703,347$800,316
Land$327,821-$327,821
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mark HethPresident/ceFT$307,146$38,250$345,396
Mark HethPresident/CEO-$250,896$94,500$345,396
Rosanne BowersExecutive VPFT$122,732$39,292$162,024

Board Members and Trustees

NameTitle
Fred GarityBoard Member
Fred MclaneBoard Member
Gene BrownnBoard Member
Jerry HagemanBoard Member
Marquita MooreBoard Member
Mickey AlsagerBoard Member
Sue WoodBoard Member
Verelyn MayerBoard Member
Virgil RinkBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,752,634
Investment Income
$312,086
Other Revenue
$0
Change in Net Assets
$397,533

Audited Revenue Reconciliation

Revenue per Audited Statements
$4,064,720
Total Revenue per Audited Statements
$4,064,720
Total Revenue per Form 990
$4,064,720
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,971,186
Salaries, Compensation, and Employee Benefits$1,696,001
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,038,190
Current Officers, Directors, Trustees, and Key Employees---$345,396
All Other Expenses---$243,009
Interest---$233,742
Office Expenses---$198,076
Occupancy---$143,294
Other Employee Benefits---$112,005
Pension Plan Contributions---$109,938
Depreciation Depletion---$109,444
Payroll Taxes---$90,472
Other Expenses---$68,914
Insurance---$58,030
Advertising---$57,614
Conferences and Meetings---$18,967
Fees for Services Accounting---$17,570
Fees for Services Legal---$5,463
Total Functional Expenses$0$0$0$3,667,187

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,667,187
Total Expenses per Audited Statements$3,667,187
Total Expenses per Form 990$3,667,187
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 Officers, Directors, Trustees, and Key Employees$1,968,406$1,981,026▲ $12,620
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$65,091,537
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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, Page 6, Part VI, Line 6

“All depositors are considered members.”

Form 990, Page 6, Part VI, Line 7A

“The credit union members elect on an annual basis the members of the board of directors.”

Form 990, Page 6, Part VI, Line 7B

“Any proposed mergers must be approved by a majority of the membership.”

Form 990, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 12C

“The security matrix on the data processing system prohibits employees and directors from initiating transactions on all accounts listed on their conflict of interest disclosure statement, which is updated annually.”

Form 990, Page 6, Part VI, Line 15A

“The process for determining compensation for the ceo includes a comparison of compensation for similarly qualified persons in comparable positions, review and approval by the board of directors and is documented in the board minutes. The last review was conducted in december 2013.”

Form 990, Page 6, Part VI, Line 19

“The monthly financial statements are posted in the lobby and are updated on a monthly basis. The governing documents and conflict of interest policy are made available upon request.”

Filing and Contact Details

Filer

EIN
42-0698776
Phone
5635577600

Signing Officer

Name
Danielle Gratton
Title
CFO
Phone
5635577600
Signed
2014-10-31

Organization Details

Principal Officer
Danielle Gratton
Formed
1950
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
52
Volunteers
9

Preparer

Preparer
Steven O Petersen
Phone
4023332800
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“N/A”

Form 990, Page 5, Part V, Line 3B

“The credit union provides financial services to its members. All income and expenses are deemed related to the overall objective of member services.”

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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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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1EXECUTIVE VP
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0345396
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1162024
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SubstantiationRequiredInd0true
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0true
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt01981026
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0FUND SPLIT INTEREST LIFE INSURANCE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt02000000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0MARK HETH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0PRESIDENT/CEO
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IRS990ScheduleL/TotalBalanceDueAmt01981026
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION PROVIDES FINANCIAL SERVICES TO ITS MEMBERS. ALL INCOME AND EXPENSES ARE DEEMED RELATED TO THE OVERALL OBJECTIVE OF MEMBER SERVICES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALL DEPOSITORS ARE CONSIDERED MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION MEMBERS ELECT ON AN ANNUAL BASIS THE MEMBERS OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ANY PROPOSED MERGERS MUST BE APPROVED BY A MAJORITY OF THE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE SECURITY MATRIX ON THE DATA PROCESSING SYSTEM PROHIBITS EMPLOYEES AND DIRECTORS FROM INITIATING TRANSACTIONS ON ALL ACCOUNTS LISTED ON THEIR CONFLICT OF INTEREST DISCLOSURE STATEMENT, WHICH IS UPDATED ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE PROCESS FOR DETERMINING COMPENSATION FOR THE CEO INCLUDES A COMPARISON OF COMPENSATION FOR SIMILARLY QUALIFIED PERSONS IN COMPARABLE POSITIONS, REVIEW AND APPROVAL BY THE BOARD OF DIRECTORS AND IS DOCUMENTED IN THE BOARD MINUTES. THE LAST REVIEW WAS CONDUCTED IN DECEMBER 2013.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY AND ARE UPDATED ON A MONTHLY BASIS. THE GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt080850819
IRS990/TotalAssetsEOYAmt078370822
IRS990/TotalAssetsGrp/BOYAmt080850819
IRS990/TotalAssetsGrp/EOYAmt078370822
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt052
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt03667187
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt073467293
IRS990/TotalLiabilitiesEOYAmt070589763
IRS990/TotalLiabilitiesGrp/BOYAmt073467293
IRS990/TotalLiabilitiesGrp/EOYAmt070589763
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07383526
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07781059
IRS990/TotalOtherCompensationAmt059384
IRS990/TotalProgramServiceRevenueAmt03752634
IRS990/TotalReportableCompFromOrgAmt0448036
IRS990/TotalRevenueGrp/ExclusionAmt04064720
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04064720
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt080850819
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt078370822
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine103999 PENNSYLVANIA AVE
IRS990/USAddress/City0DUBUQUE
IRS990/USAddress/State0IA
IRS990/USAddress/ZIPCode052002
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.ICCU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0DANIELLE GRATTON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CFO
ReturnHeader/BusinessOfficerGrp/PhoneNum05635577600
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-10-31
ReturnHeader/Filer/BusinessName/BusinessNameLine10IOWA COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0IOWA
ReturnHeader/Filer/EIN0420698776
ReturnHeader/Filer/PhoneNum05635577600
ReturnHeader/Filer/USAddress/AddressLine103999 PENNSYLVANIA AVE
ReturnHeader/Filer/USAddress/City0DUBUQUE
ReturnHeader/Filer/USAddress/State0IA
ReturnHeader/Filer/USAddress/ZIPCode052002
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0470749138
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10PETERSEN & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine101410 GOLD COAST RD 400
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0PAPILLION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0NE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0680465742
ReturnHeader/PreparerPersonGrp/PhoneNum04023332800
ReturnHeader/PreparerPersonGrp/PreparationDt02014-10-31
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0STEVEN O PETERSEN
ReturnHeader/ReturnTs02014-10-31T16:23:57-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$78,370,822
Liabilities
$70,589,763
Net assets
$7,781,059
Revenue
$4,064,720
Expenses
$3,667,187
Net income
$397,533
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$78.4$70.6$7.78$4.06$3.67$0.40
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$77.9$71.3$6.67$4.02
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$76.6$70.1$6.51$4.03