Civic Intelligence

Employees Credit Union

990 • Fiscal year 2016 • EIN 42-0772828

Jan 01, 2016 to Dec 31, 2016 • Filed on Mar 29, 2017

Organization ProfileWWW.EMPLOYEESCU.COM

Refreshing map…

2714 Central AveEstherville, IA 51334

(712) 362-5897

Siviq Scores

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

Liabilities / Assets

11th percentile

0.80x

Higher debt load relative to assets than 11% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Liabilities / Revenue

44th percentile

18.46x

Higher debt load relative to revenue than 44% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Net Margin

99th percentile

42%

Higher net margin than 99% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Top Officer Pay

88th percentile

$206,229

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 5.3% of source-year revenue.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Asset Growth

56th percentile

4.4%

Faster asset growth than 56% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Revenue Growth

67th percentile

6.8%

Faster revenue growth than 67% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets11th percentile

Assets

Up

$89,808,852

Up $3,826,016 (+4.4%) from 2015

Net Assets

Up

$18,144,619

Up $1,625,130 (+9.8%) from 2015

Liabilities

Up

$71,664,233

Up $2,200,886 (+3.2%) from 2015

Revenue And Expenses
Liabilities / Revenue44th percentileNet Margin99th percentile

Revenue

Up

$3,882,752

Up $248,544 (+6.8%) from 2015

Expenses

Up

$2,257,622

Up $225,309 (+11%) from 2015

Net Income

Up

$1,625,130

Up $23,235 (+1.5%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth56th percentile

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

$200M$150M$100M$50M$0Assets 2011: $74,783,256Liabilities 2011: $63,293,028Net Assets 2011: $11,490,2282011Assets 2013: $79,022,782Liabilities 2013: $65,332,038Net Assets 2013: $13,690,7442013Assets 2014: $83,723,629Liabilities 2014: $68,806,035Net Assets 2014: $14,917,5942014Assets 2015: $85,982,836Liabilities 2015: $69,463,347Net Assets 2015: $16,519,4892015Assets 2016: $89,808,852Liabilities 2016: $71,664,233Net Assets 2016: $18,144,6192016Assets 2017: $93,937,316Liabilities 2017: $74,152,832Net Assets 2017: $19,784,4842017Assets 2018: $97,494,304Liabilities 2018: $76,387,841Net Assets 2018: $21,106,4632018Assets 2019: $105,357,507Liabilities 2019: $82,540,801Net Assets 2019: $22,816,7062019Assets 2020: $118,458,064Liabilities 2020: $93,243,915Net Assets 2020: $25,214,1492020Assets 2021: $136,420,831Liabilities 2021: $108,580,384Net Assets 2021: $27,840,4472021Assets 2022: $147,822,214Liabilities 2022: $117,637,107Net Assets 2022: $30,185,1072022Assets 2024: $174,076,159Liabilities 2024: $139,587,351Net Assets 2024: $34,488,8082024

Highlighted filing

2016

Assets$89,808,852
Liabilities$71,664,233
Net Assets$18,144,619
Open 2016 Filing

Operations Trend

Revenue Growth67th percentile

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

$15M$10M$5.0M$0Expenses 2011: $2,050,9592011Revenue 2013: $3,156,470Expenses 2013: $1,937,979Net Income 2013: $1,218,4912013Revenue 2014: $3,397,296Expenses 2014: $2,170,446Net Income 2014: $1,226,8502014Revenue 2015: $3,634,208Expenses 2015: $2,032,313Net Income 2015: $1,601,8952015Revenue 2016: $3,882,752Expenses 2016: $2,257,622Net Income 2016: $1,625,1302016Revenue 2017: $4,300,269Expenses 2017: $2,660,404Net Income 2017: $1,639,8652017Revenue 2018: $4,772,825Expenses 2018: $3,450,846Net Income 2018: $1,321,9792018Revenue 2019: $5,485,363Expenses 2019: $3,775,122Net Income 2019: $1,710,2412019Revenue 2020: $5,619,668Expenses 2020: $3,222,225Net Income 2020: $2,397,4432020Revenue 2021: $5,411,301Expenses 2021: $2,785,003Net Income 2021: $2,626,2982021Revenue 2022: $6,217,747Expenses 2022: $3,873,087Net Income 2022: $2,344,6602022Revenue 2024: $10,760,989Expenses 2024: $8,456,816Net Income 2024: $2,304,1732024

Highlighted filing

2016

Revenue$3,882,752
Expenses$2,257,622
Net Income$1,625,130
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Mar 29, 2017
Return Version
2016v3.0
Gross Receipts
$3,882,752
Mission and Program Overview

Mission

State chartered credit union

To be our members optimum service center for their financial needs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$43,452,462$46,373,761▲ $2,921,299
Savings and Temporary Cash Investments$27,778,391$28,245,483▲ $467,092
Rtn Earn Endowment Incm Other Fnds$16,519,489$18,144,619▲ $1,625,130
Investments Program Related$13,142,641$13,584,396▲ $441,755
Cash and Non-Interest-Bearing Accounts$184,969$276,456▲ $91,487
Land, Buildings, and Equipment, Net$241,354$193,459▼ $47,895
Prepaid Expenses and Deferred Charges$44,211$27,629▼ $16,582
Total Assets$85,982,836$89,808,852▲ $3,826,016
Other Assets Total$1,138,808$1,107,668▼ $31,140
Liabilities
Other Liabilities$66,281,102$69,446,133▲ $3,165,031
Mortgage Notes Payable Secured by Investment Property$3,000,000$2,000,000▼ $1,000,000
Accounts Payable and Accrued Expenses$104,165$125,723▲ $21,558
Escrow Account Liability$78,080$92,377▲ $14,297
Total Liabilities$69,463,347$71,664,233▲ $2,200,886
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,519,489$18,144,619▲ $1,625,130
Total Liabilities and Net Assets / Fund Balance$85,982,836$89,808,852▲ $3,826,016

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$82,706$562,866$645,572
Buildings$59,410$424,090$483,500
Land$51,343-$51,343
Investment Program Related Org$35,433--
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mark PetersCEOFT$138,641$67,588$206,229

Board Members and Trustees

NameTitle
Charlie NourseBoard Chair
Edward MunnBoard Vice C
Dan JondleDirector
Darwin OlesenDirector
Joel JorgensonDirector
Lowell SwalveDirector
Sheila BorchersDirector
Terry ClarkDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,402,212
Investment Income
$480,540
Other Revenue
$0
Change in Net Assets
$1,625,130
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,508,332
Salaries, Compensation, and Employee Benefits$747,040
Grants and Similar Amounts Paid$2,250
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$413,064
Office Expenses---$350,117
Other Expenses---$320,470
Current Officers, Directors, Trustees, and Key Employees---$150,641
Interest---$119,323
Other Employee Benefits---$90,617
Depreciation Depletion---$60,722
Pension Plan Contributions---$51,600
Payroll Taxes---$41,118
Insurance---$35,839
Fees for Services Accounting---$33,673
Occupancy---$33,286
Conferences and Meetings---$28,297
Information Technology---$24,927
Advertising---$19,830
Grants to Domestic Individuals---$2,250
Total Functional Expenses$0$0$0$2,257,622
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
Member Deposits$69,538,510
Escrow Accts to Line 21$-92,377
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
Yes
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

“The organization has members. To be a member one must have a share (savings) account at the credit union.”

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

“The board of directors is elected by the credit union members. Each member has one vote.”

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

“A member vote is required for decisions which are beyond the authority of the board of directors. Items which require a membership vote are outlined and specified in our bylaws. Each member has one vote.”

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

“Ceo provides data to independent cpa who prepares the 990. Ceo reviews the return for accuracy, and then authorizes cpa to e-file the approved return.”

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

“Policy is signed by employees/directors. Account review performed on a regular basis.”

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

“Compensation committee comprised of elected officials approves the ceo salary. Ceo recommends to board for approval the wages of all other employees. Approval by the board is documented.”

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

“Compensation committee comprised of elected officials approves the ceo salary. Ceo recommends to board for approval the wages of all other employees. Approval by the board is documented.”

Form 990, Page 6, Part VI, Line 19

“Policies are available upon request. Financial statements are posted in the lobby.”

Filing and Contact Details

Filer

Filer Name
Employees Credit Union
EIN
42-0772828
Phone
7123625897
Address
2714 CENTRAL AVE, ESTHERVILLE, IA 51334

Signing Officer

Name
Mark Peters
Title
CEO
Phone
7123625897
Signed
2017-03-29

Organization Details

Principal Officer
Mark Peters
Formed
1947
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
8
Employees
12
Volunteers
8

Preparer

Preparer
Brent Wookey CPA
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“The credit union holds funds in escrow accounts for property taxes and homeowners insurance related to mortgage loans.”

Raw XML Appendix386 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/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt016519489
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt018144619
IRS990/SavingsAndTempCashInvstGrp/BOYAmt027778391
IRS990/SavingsAndTempCashInvstGrp/EOYAmt028245483
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt059410
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0424090
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0483500
IRS990ScheduleD/EquipmentGrp/BookValueAmt082706
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0562866
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0645572
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt012940230
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1308733
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2300000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt335433
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVESTMENTS WITH MATURITY > 1 YR
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CBL CUSO REVOLVING LOAN
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2CAPITAL ACCTS CORPORATE CREDIT UNION
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3CBL CUSO EQUITY
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/LandGrp/BookValueAmt051343
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt051343
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt069538510
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1-92377
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ESCROW ACCTS TO LINE 21
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HOLDS FUNDS IN ESCROW ACCOUNTS FOR PROPERTY TAXES AND HOMEOWNERS INSURANCE RELATED TO MORTGAGE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0193459
IRS990ScheduleD/TotalBookValueProgramRltdAmt013584396
IRS990ScheduleD/TotalLiabilityAmt069446133
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0138641
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount012000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt033347
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt022241
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MARK PETERS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0206229
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SubstantiationRequiredInd0true
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION PAYS THE HEALTH CLUB DUES OF MARK PETERS, CEO. THE CREDIT UNION PAYS THE TRAVEL EXPENSE FOR THE FAMILY FO MARK PETERS, CEO, TO ACCOMPANY HIM TO ONE INDUSTRY CONFERENCE PER YEAR.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1MARK PETERS 0 20,000 0
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt2MARK PETERS PARTICIPATES IN A 457 PLAN. THE AMOUNT ABOVE IS THE EMPLOYER CONTRIBUTION TO THE PLAN FOR THIS CALENDAR YEAR.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE J, PAGE 1, PART I, LINE 1A
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE J, PAGE 1, PART I, LINE 4
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc2SCHEDULE J, PART III
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0true
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd0true
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A MEMBER VOTE IS REQUIRED FOR DECISIONS WHICH ARE BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS. ITEMS WHICH REQUIRE A MEMBERSHIP VOTE ARE OUTLINED AND SPECIFIED IN OUR BYLAWS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CEO PROVIDES DATA TO INDEPENDENT CPA WHO PREPARES THE 990. CEO REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES CPA TO E-FILE THE APPROVED RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4POLICY IS SIGNED BY EMPLOYEES/DIRECTORS. ACCOUNT REVIEW PERFORMED ON A REGULAR BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION COMMITTEE COMPRISED OF ELECTED OFFICIALS APPROVES THE CEO SALARY. CEO RECOMMENDS TO BOARD FOR APPROVAL THE WAGES OF ALL OTHER EMPLOYEES. APPROVAL BY THE BOARD IS DOCUMENTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6COMPENSATION COMMITTEE COMPRISED OF ELECTED OFFICIALS APPROVES THE CEO SALARY. CEO RECOMMENDS TO BOARD FOR APPROVAL THE WAGES OF ALL OTHER EMPLOYEES. APPROVAL BY THE BOARD IS DOCUMENTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7POLICIES ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt085982836
IRS990/TotalAssetsEOYAmt089808852
IRS990/TotalAssetsGrp/BOYAmt085982836
IRS990/TotalAssetsGrp/EOYAmt089808852
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt012
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02257622
IRS990/TotalGrossUBIAmt01308
IRS990/TotalLiabilitiesBOYAmt069463347
IRS990/TotalLiabilitiesEOYAmt071664233
IRS990/TotalLiabilitiesGrp/BOYAmt069463347
IRS990/TotalLiabilitiesGrp/EOYAmt071664233
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt016519489
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt018144619
IRS990/TotalOtherCompensationAmt055588
IRS990/TotalProgramServiceRevenueAmt03402212
IRS990/TotalReportableCompFromOrgAmt0150641
IRS990/TotalRevenueGrp/ExclusionAmt0480540
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03400904
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03882752
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt01308
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt085982836
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt089808852
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02714 CENTRAL AVE
IRS990/USAddress/CityNm0ESTHERVILLE
IRS990/USAddress/StateAbbreviationCd0IA
IRS990/USAddress/ZIPCd051334
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.EMPLOYEESCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/PersonNm0MARK PETERS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07123625897
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-03-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0EMPL
ReturnHeader/Filer/EIN0420772828
ReturnHeader/Filer/PhoneNum07123625897
ReturnHeader/Filer/USAddress/AddressLine1Txt02714 CENTRAL AVE
ReturnHeader/Filer/USAddress/CityNm0ESTHERVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IA
ReturnHeader/Filer/USAddress/ZIPCd051334
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId04C5A70F7A5FDA4811252E2883A9E531D3168B42F
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId04C5A70F7A5FDA4811252E2883A9E531D3168B42F
ReturnHeader/PreparerPersonGrp/PreparationDt02017-04-20
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT WOOKEY CPA
ReturnHeader/ReturnTs02017-04-20T22:44:10+00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$89,808,852
Liabilities
$71,664,233
Net assets
$18,144,619
Revenue
$3,882,752
Expenses
$2,257,622
Net income
$1,625,130
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$174$140$34.5$10.8$8.46$2.30
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$148$118$30.2$6.22$3.87$2.34
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$136$109$27.8$5.41$2.79$2.63
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$118$93.2$25.2$5.62$3.22$2.40
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$105$82.5$22.8$5.49$3.78$1.71
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$97.5$76.4$21.1$4.77$3.45$1.32
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$93.9$74.2$19.8$4.30$2.66$1.64
2016Detailed filing. Detailed filing data is available for this year.$89.8$71.7$18.1$3.88$2.26$1.63
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$86.0$69.5$16.5$3.63$2.03$1.60
2014Detailed filing. Detailed filing data is available for this year.$83.7$68.8$14.9$3.40$2.17$1.23
2013Detailed filing. Detailed filing data is available for this year.$79.0$65.3$13.7$3.16$1.94$1.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$74.8$63.3$11.5$2.05