Civic Intelligence

Iowa Corporate Central Union 365

EIN 42-0778117 • 501(c)14 • Fort Madison, IA

Profile

Credit unions create a source of credit at a fair and reasonable rate ofinterest, encourage habits of thrift among its members, and provide anopportunity for its members to use and control their own money.

801 35th St Ste AFort Madison, IA 52627

n/A

Siviq Scores

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

Liabilities / Assets

68th percentile

0.88x

Higher debt load relative to assets than 68% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

82nd percentile

21.30x

Higher debt load relative to revenue than 82% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Net Margin

74th percentile

11%

Higher net margin than 74% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

25th percentile

$37,351

Higher top officer pay than 25% of similar nonprofits.

Top officer pay equals 14.4% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Asset Growth

96th percentile

9.8%

Faster asset growth than 96% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

97th percentile

37%

Faster revenue growth than 97% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$6,269,812

Up $1,110,173 (+22%) from 2022

Liabilities

Up

$5,523,102

Up $5,519,417 (+149781%) from 2022

Net Assets

Down

$746,710

Down $4,409,244 (-86%) from 2022

Operations
Liabilities / Revenue82nd percentileNet Margin74th percentile

Revenue

Up

$259,331

Up $123,848 (+91%) from 2022

Expenses

Up

$230,207

Up $102,587 (+80%) from 2022

Net Income

Up

$29,124

Up $21,261 (+270%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth96th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2015: $3,397,463Liabilities 2015: $2,382Net Assets 2015: $3,395,0812015Assets 2016: $3,629,148Liabilities 2016: $2,484Net Assets 2016: $3,626,6642016Assets 2017: $3,814,098Liabilities 2017: $2,563Net Assets 2017: $3,811,5352017Assets 2018: $3,829,505Liabilities 2018: $2,574Net Assets 2018: $3,826,9312018Assets 2019: $4,085,302Liabilities 2019: $3,892Net Assets 2019: $4,081,4102019Assets 2020: $4,585,262Liabilities 2020: $2,835Net Assets 2020: $4,582,4272020Assets 2021: $4,934,899Liabilities 2021: $2,737Net Assets 2021: $4,932,1622021Assets 2022: $5,159,639Liabilities 2022: $3,685Net Assets 2022: $5,155,9542022Assets 2024: $6,269,812Liabilities 2024: $5,523,102Net Assets 2024: $746,7102024

Highlighted filing

2024

Assets$6,269,812
Liabilities$5,523,102
Net Assets$746,710
Open 2024 Filing

Operations Trend

Revenue Growth97th percentile

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

$300K$200K$100K$0Revenue 2015: $100,606Expenses 2015: $88,105Net Income 2015: $12,5012015Revenue 2016: $93,742Expenses 2016: $81,825Net Income 2016: $11,9172016Revenue 2017: $100,686Expenses 2017: $88,420Net Income 2017: $12,2662017Revenue 2018: $113,015Expenses 2018: $100,940Net Income 2018: $12,0752018Revenue 2019: $118,964Expenses 2019: $105,535Net Income 2019: $13,4292019Revenue 2020: $123,989Expenses 2020: $117,703Net Income 2020: $6,2862020Revenue 2021: $122,869Expenses 2021: $116,422Net Income 2021: $6,4472021Revenue 2022: $135,483Expenses 2022: $127,620Net Income 2022: $7,8632022Revenue 2024: $259,331Expenses 2024: $230,207Net Income 2024: $29,1242024

Highlighted filing

2024

Revenue$259,331
Expenses$230,207
Net Income$29,124
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$6,269,812
Liabilities
$5,523,102
Net assets
$746,710
Revenue
$259,331
Expenses
$230,207
Net income
$29,124
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.27$5.52$0.75$0.26$0.23$0.03
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.16$0.00$5.16$0.14$0.13$0.01
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.93$0.00$4.93$0.12$0.12$0.01
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.59$0.00$4.58$0.12$0.12$0.01
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.09$0.00$4.08$0.12$0.11$0.01
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.83$0.00$3.83$0.11$0.10$0.01
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.81$0.00$3.81$0.10$0.09$0.01
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.63$0.00$3.63$0.09$0.08$0.01
2015Detailed filing. Detailed filing data is available for this year.$3.40$0.00$3.40$0.10$0.09$0.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 18, 2025
Return Version
2024v5.1
Gross Receipts
$259,331
Mission and Program Overview

Mission

Credit unions create a source of credit at a fair and reasonable rate ofinterest, encourage habits of thrift among its members, and provide anopportunity for its members to use and control their own money.

Credit uions create a source of credit at a fair and resonable rate of interest, encourage habits of thrift among its members, and provide an opportunity for its members to use and control their own money.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,851,760$3,984,972▲ $133,212
Savings and Temporary Cash Investments$1,300,000$1,625,000▲ $325,000
Rtn Earn Endowment Incm Other Fnds$717,586$746,710▲ $29,124
Cash and Non-Interest-Bearing Accounts$508,813$604,333▲ $95,520
Total Assets$5,712,199$6,269,812▲ $557,613
Other Assets Total$51,626$55,507▲ $3,881
Liabilities
Other Liabilities$4,989,492$5,517,755▲ $528,263
Accounts Payable and Accrued Expenses$5,121$5,347▲ $226
Total Liabilities$4,994,613$5,523,102▲ $528,489
Net Assets / Fund Balance
Total Net Assets Fund Balance$717,586$746,710▲ $29,124
Total Liabilities and Net Assets / Fund Balance$5,712,199$6,269,812▲ $557,613

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$16,083$16,083
Compensation and Service Providers
Top Officer Pay25th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Melodie GoldensophEmployeeFT$37,351$37,351

Board Members and Trustees

NameTitle
Tammy WorkmanAudit Committee Chairman
Joe NeuwegChairman
Jason FowlerCredit Committee Chairman
Mark MeierottoVice Chairman
Heather MoehnAudit Committee
Jean HamiltonAudit Committee
Shawnna MaupinAudit Committee
Alea MoomeyCredit Committee
Matt LinnenbrinkCredit Committee
Tabatha CassidayCredit Committee
Rebekah SmithSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$195,532
Investment Income
$63,799
Other Revenue
$0
Change in Net Assets
$29,124
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$177,102
Salaries, Compensation, and Employee Benefits$53,105
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$140,442--$140,442
Current Officers, Directors, Trustees, and Key Employees$37,351--$37,351
All Other Expenses$12,110--$12,110
Other Salaries and Wages$11,994--$11,994
Office Expenses$8,177--$8,177
Fees for Services Other$5,249--$5,249
Payroll Taxes$3,760--$3,760
Other Expenses$3,715--$3,715
Conferences and Meetings$2,993--$2,993
Advertising$2,111--$2,111
Total Functional Expenses$230,207$0$0$230,207
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 Shares of All Types$5,517,755
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“Credit union membership consists of natural persons and entities as approved time to time by and recorded at the office of the superintendent of credit unions. Membership consists of those persons in the common bond who have subscribed to one ownership share and have complied with the other requirements as specified by the articles of incorporation and bylaws.”

Member election for additional members Part VI line 7A

“At each annual meeting, members have one vote. One member shall be elected to fill each boarad of director position vacated by reason of an expiring term or other cause.”

Form 990 governing body review Part VI line 11

“The form 990 is reviewed by the office manager.”

Governing documents etc available to public Part VI line 19

“The organization makes its financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Iowa Corporate Central Union 365
EIN
42-0778117
In Care Of
% MELODIE GOLDENSOPH
Phone
3193765237
Address
801 35TH ST STE A, FORT MADISON, IA 52627
Doing Business As
Dupont Employees Credit Union

Signing Officer

Name
Melodie Goldensoph
Title
Manager
Phone
3193765237
Signed
2025-06-18
Discuss with paid preparer
Yes

Organization Details

Formed
1995
Legal Domicile
Ia
Voting Board Members
11
Independent Board Members
11
Employees
2

Preparer

Firm
Southeast Iowa Tax and Accounting
Address
400 S Roosevelt Avenue, Burlington, IA 52601
Preparer
Tyler Gustafson
Phone
3197547706
Supplemental Narrative

Additional Explanations

Explanation of other changes in net assets or fund balances Part XI line 9

“Increase in shares, xmas club, cds, regular reserves $215,929”

Raw XML Appendix368 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.

Path#Value
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IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY
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IRS990/Form990PartVIISectionAGrp/TitleTxt4AUDIT COMMITTEE
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IRS990/Form990PartVIISectionAGrp/TitleTxt7CREDIT COMMITTEE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt8CREDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt9CREDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt10CREDIT COMMITTEE
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IRS990/OtherLiabilitiesGrp/BOYAmt04989492
IRS990/OtherLiabilitiesGrp/EOYAmt05517755
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt011994
IRS990/OtherSalariesAndWagesGrp/TotalAmt011994
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt03851760
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt03984972
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt03760
IRS990/PayrollTaxesGrp/TotalAmt03760
IRS990/PoliticalCampaignActyInd0false
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0194804
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1728
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0194804
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1728
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt035433
IRS990/PYOtherExpensesAmt0124823
IRS990/PYProgramServiceRevenueAmt0153348
IRS990/PYRevenuesLessExpensesAmt015000
IRS990/PYSalariesCompEmpBnftPaidAmt048958
IRS990/PYTotalExpensesAmt0173781
IRS990/PYTotalRevenueAmt0188781
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IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt029124
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0259331
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0717586
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0746710
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt01625000
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt016083
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt016083
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt05517755
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES OF ALL TYPES
IRS990ScheduleD/TotalLiabilityAmt05517755
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CREDIT UNION MEMBERSHIP CONSISTS OF NATURAL PERSONS AND ENTITIES AS APPROVED TIME TO TIME BY AND RECORDED AT THE OFFICE OF THE SUPERINTENDENT OF CREDIT UNIONS. MEMBERSHIP CONSISTS OF THOSE PERSONS IN THE COMMON BOND WHO HAVE SUBSCRIBED TO ONE OWNERSHIP SHARE AND HAVE COMPLIED WITH THE OTHER REQUIREMENTS AS SPECIFIED BY THE ARTICLES OF INCORPORATION AND BYLAWS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1AT EACH ANNUAL MEETING, MEMBERS HAVE ONE VOTE. ONE MEMBER SHALL BE ELECTED TO FILL EACH BOARAD OF DIRECTOR POSITION VACATED BY REASON OF AN EXPIRING TERM OR OTHER CAUSE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FORM 990 IS REVIEWED BY THE OFFICE MANAGER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION MAKES ITS FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4INCREASE IN SHARES, XMAS CLUB, CDS, REGULAR RESERVES $215,929
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Explanation of other changes in net assets or fund balances Part XI line 9
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IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0IA
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05712199
IRS990/TotalAssetsEOYAmt06269812
IRS990/TotalAssetsGrp/BOYAmt05712199
IRS990/TotalAssetsGrp/EOYAmt06269812
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0230207
IRS990/TotalFunctionalExpensesGrp/TotalAmt0230207
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04994613
IRS990/TotalLiabilitiesEOYAmt05523102
IRS990/TotalLiabilitiesGrp/BOYAmt04994613
IRS990/TotalLiabilitiesGrp/EOYAmt05523102
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0717586
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0746710
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0230207
IRS990/TotalProgramServiceRevenueAmt0195532
IRS990/TotalReportableCompFromOrgAmt037351
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0259331
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0259331
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05712199
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt06269812
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt011
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MELODIE GOLDENSOPH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum03193765237
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-06-18
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0IOWA CORPORATE CENTRAL UNION 365
ReturnHeader/Filer/BusinessNameControlTxt0IOWA
ReturnHeader/Filer/EIN0420778117
ReturnHeader/Filer/InCareOfNm0% MELODIE GOLDENSOPH
ReturnHeader/Filer/PhoneNum03193765237
ReturnHeader/Filer/USAddress/AddressLine1Txt0801 35TH ST STE A
ReturnHeader/Filer/USAddress/CityNm0FORT MADISON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IA
ReturnHeader/Filer/USAddress/ZIPCd052627
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0933345101
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Southeast Iowa Tax and Accounting
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0400 S Roosevelt Avenue
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Burlington
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd052601
ReturnHeader/PreparerPersonGrp/PhoneNum03197547706
ReturnHeader/PreparerPersonGrp/PreparationDt02025-06-18
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0TYLER GUSTAFSON
ReturnHeader/ReturnTs02025-06-18T16:02:32-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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