Civic Intelligence

Public Employees Credit Union

EIN 42-0807884 • 501(c)14 • Waterloo, IA

View Organization Page

Profile

Public employees credit union exists to provide good rates on loans and savings to its members.

624 Franklin Street PO Box 120Waterloo, IA 50704

www.publicemployeescu.com

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2025

Liabilities / Revenue

40th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

$500k-$1M nonprofits • Source year 2025

Net Margin

25th percentile

-12%

Higher net margin than 25% of similar nonprofits.

$500k-$1M nonprofits • Source year 2025

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

Score unavailable

No value available

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

Source year 2025

Revenue Growth

Score unavailable

No value available

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

Source year 2025

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $36,191,386 (-100%) from 2024

Liabilities

Down

$0

Down $31,576,293 (-100%) from 2024

Net Assets

Down

$0

Down $4,615,093 (-100%) from 2024

Operations
Liabilities / Revenue40th percentileNet Margin25th percentile

Revenue

Down

$816,504

Down $649,279 (-44%) from 2024

Expenses

Down

$915,318

Down $508,580 (-36%) from 2024

Net Income

Down

-$98,814

Down $140,699 (-336%) from 2024

Trend Graphs

Balance Sheet Trend

Asset GrowthScore unavailable

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

$40M$30M$20M$10M$0Assets 2010: $23,937,130Liabilities 2010: $20,621,497Net Assets 2010: $3,315,6332010Assets 2012: $25,976,151Liabilities 2012: $22,533,362Net Assets 2012: $3,442,7892012Assets 2013: $25,723,508Liabilities 2013: $22,098,498Net Assets 2013: $3,625,0102013Assets 2014: $25,647,324Liabilities 2014: $21,887,694Net Assets 2014: $3,759,6302014Assets 2015: $26,417,549Liabilities 2015: $22,497,692Net Assets 2015: $3,919,8572015Assets 2016: $27,173,387Liabilities 2016: $23,189,410Net Assets 2016: $3,983,9772016Assets 2017: $27,137,977Liabilities 2017: $23,083,949Net Assets 2017: $4,054,0282017Assets 2018: $27,792,735Liabilities 2018: $23,619,036Net Assets 2018: $4,173,6992018Assets 2019: $28,901,102Liabilities 2019: $24,584,648Net Assets 2019: $4,316,4542019Assets 2020: $32,199,015Liabilities 2020: $27,806,484Net Assets 2020: $4,392,5312020Assets 2021: $34,260,187Liabilities 2021: $29,833,149Net Assets 2021: $4,427,0382021Assets 2022: $33,690,263Liabilities 2022: $29,159,382Net Assets 2022: $4,530,8812022Assets 2023: $35,120,226Liabilities 2023: $30,547,017Net Assets 2023: $4,573,2092023Assets 2024: $36,191,386Liabilities 2024: $31,576,293Net Assets 2024: $4,615,0932024Assets 2025: $0Liabilities 2025: $0Net Assets 2025: $02025

Highlighted filing

2025

Assets$0
Liabilities$0
Net Assets$0
Open 2025 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $848,3692010Expenses 2012: $701,6332012Revenue 2013: $719,748Expenses 2013: $634,098Net Income 2013: $85,6502013Revenue 2014: $716,550Expenses 2014: $640,879Net Income 2014: $75,6712014Revenue 2015: $807,254Expenses 2015: $647,031Net Income 2015: $160,2232015Revenue 2016: $740,973Expenses 2016: $676,855Net Income 2016: $64,1182016Revenue 2017: $766,063Expenses 2017: $684,318Net Income 2017: $81,7452017Revenue 2018: $850,540Expenses 2018: $730,868Net Income 2018: $119,6722018Revenue 2019: $965,103Expenses 2019: $822,348Net Income 2019: $142,7552019Revenue 2020: $963,038Expenses 2020: $886,961Net Income 2020: $76,0772020Revenue 2021: $873,071Expenses 2021: $838,563Net Income 2021: $34,5082021Revenue 2022: $883,957Expenses 2022: $780,115Net Income 2022: $103,8422022Revenue 2023: $1,136,516Expenses 2023: $1,094,188Net Income 2023: $42,3282023Revenue 2024: $1,465,783Expenses 2024: $1,423,898Net Income 2024: $41,8852024Revenue 2025: $816,504Expenses 2025: $915,318Net Income 2025: -$98,8142025

Highlighted filing

2025

Revenue$816,504
Expenses$915,318
Net Income-$98,814
Open 2025 Filing

Filings

Most recent year

2025 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$816,504
Expenses
$915,318
Net income
-$98,814
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.82$0.92$0.10
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$36.2$31.6$4.62$1.47$1.42$0.04
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$35.1$30.5$4.57$1.14$1.09$0.04
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.7$29.2$4.53$0.88$0.78$0.10
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.3$29.8$4.43$0.87$0.84$0.03
2020Detailed filing. Detailed filing data is available for this year.$32.2$27.8$4.39$0.96$0.89$0.08
2019Detailed filing. Detailed filing data is available for this year.$28.9$24.6$4.32$0.97$0.82$0.14
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.8$23.6$4.17$0.85$0.73$0.12
2017Detailed filing. Detailed filing data is available for this year.$27.1$23.1$4.05$0.77$0.68$0.08
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.2$23.2$3.98$0.74$0.68$0.06
2015Detailed filing. Detailed filing data is available for this year.$26.4$22.5$3.92$0.81$0.65$0.16
2014Detailed filing. Detailed filing data is available for this year.$25.6$21.9$3.76$0.72$0.64$0.08
2013Detailed filing. Detailed filing data is available for this year.$25.7$22.1$3.63$0.72$0.63$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.0$22.5$3.44$0.70
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.9$20.6$3.32$0.85
Latest Detailed Filing

The latest 2025 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2020 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
May 25, 2021
Return Version
2020v4.1
Gross Receipts
$963,038
Mission and Program Overview

Mission

Public employees credit union exists to provide good rates on loans and savings to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$13,050,398$15,938,625▲ $2,888,227
Other Notes and Loans Receivable, Net$14,798,083$14,329,293▼ $468,790
Rtn Earn Endowment Incm Other Fnds$3,416,454$3,492,531▲ $76,077
Cash and Non-Interest-Bearing Accounts$534,708$1,441,230▲ $906,522
Pd in Cap Srpls Land Bldg Eqp Fund$900,000$900,000→ $0
Land, Buildings, and Equipment, Net$206,243$186,508▼ $19,735
Prepaid Expenses and Deferred Charges$8,390$2,067▼ $6,323
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$28,901,102$32,199,015▲ $3,297,913
Other Assets Total$303,280$301,292▼ $1,988
Liabilities
Other Liabilities$24,556,399$27,780,386▲ $3,223,987
Accounts Payable and Accrued Expenses$28,249$26,098▼ $2,151
Total Liabilities$24,584,648$27,806,484▲ $3,221,836
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,316,454$4,392,531▲ $76,077
Total Liabilities and Net Assets / Fund Balance$28,901,102$32,199,015▲ $3,297,913

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$27,819$122,181$150,000
Leasehold Improvements$47,021$61,020$108,041
Land$100,000-$100,000
Other Land Buildings$5,350$80,990$86,340
Equipment$6,318$21,494$27,812
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lisa CarloCEOFT$81,400$13,570$94,970

Board Members and Trustees

NameTitle
Dave MohlisChair Audit
Paul HutingChairperson
Jane WagnerPresident
Eric ThorsonVice Chairperson
Judy KnudsenAud Comm
Steve FineganAud Comm
Barbara DodgeSec Aud Comm
Grant VeederSec. Cred Comm
Bonetta CulpSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$637,545
Investment Income
$271,146
Other Revenue
$54,347
Change in Net Assets
$76,077
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$565,698
Salaries, Compensation, and Employee Benefits$321,263
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$326,782--$326,782
Other Salaries and Wages$158,343--$158,343
Current Officers, Directors, Trustees, and Key Employees$94,970--$94,970
Information Technology$66,854--$66,854
Occupancy$39,872--$39,872
All Other Expenses$31,429--$31,429
Pension Plan Contributions$24,087--$24,087
Other Employee Benefits$24,033--$24,033
Insurance$22,635--$22,635
Depreciation Depletion$22,279--$22,279
Other Expenses$22,177--$22,177
Payroll Taxes$19,830--$19,830
Office Expenses$17,699--$17,699
Fees for Services Accounting$8,814--$8,814
Payments to Affiliates$4,635--$4,635
Travel$1,174--$1,174
Conferences and Meetings$974--$974
Advertising$374--$374
Total Functional Expenses$886,961$0$0$886,961
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$27,780,386
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
Yes
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

Form 990, Part VI, Section A, Line 6

“Public emeployees credit union is supported by members.”

Form 990, Part VI, Section A, Line 7A

“Members of the credit union elect members to the board of directors at the annual meeting.”

Form 990, Part VI, Section B, Line 11B

“A copy of the form 990 is not provided to the organization's governing body before its filing. The ceo reviews the return.”

Form 990, Part VI, Section B, Line 15A

“The organization has a personnel committee selected from members of the board of directors. They review comparable salary information, etc. The committee will make recommendations to the full board.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted each month in the credit union's lobby.”

Filing and Contact Details

Filer

Filer Name
Public Employees Credit Union
EIN
42-0807884
Phone
3192914375
Address
624 FRANKLIN STREET PO BOX 120, WATERLOO, IA 50704

Signing Officer

Name
Lisa Carlo
Title
CEO
Phone
3192914375
Signed
2021-05-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lisa Carlo
Formed
1952
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
5
Volunteers
0

Preparer

Firm
Gardiner Company Pc
Address
10555 NEW YORK AVENUE SUITE 200, DES MOINES, IA 50322
Preparer
Dennis Gardiner CPA
Phone
5152701446
Raw XML Appendix388 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
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt028249
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt026098
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0PUBLIC EMPLOYEES CREDIT UNION EXISTS TO PROVIDE GOOD RATES ON LOANS AND SAVINGS TO ITS MEMBERS.
IRS990/AdvertisingGrp/ProgramServicesAmt0374
IRS990/AdvertisingGrp/TotalAmt0374
IRS990/AllOtherExpensesGrp/ProgramServicesAmt031429
IRS990/AllOtherExpensesGrp/TotalAmt031429
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0LISA CARLO
IRS990/BooksInCareOfDetail/PhoneNum03192914375
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0CEO
IRS990/BooksInCareOfDetail/USAddress/CityNm0WATERLOO
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd050704
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0534708
IRS990/CashNonInterestBearingGrp/EOYAmt01441230
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt094970
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt094970
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt0974
IRS990/ConferencesMeetingsGrp/TotalAmt0974
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0271146
IRS990/CYOtherExpensesAmt0565698
IRS990/CYOtherRevenueAmt054347
IRS990/CYProgramServiceRevenueAmt0637545
IRS990/CYRevenuesLessExpensesAmt076077
IRS990/CYSalariesCompEmpBnftPaidAmt0321263
IRS990/CYTotalExpensesAmt0886961
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0963038
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt022279
IRS990/DepreciationDepletionGrp/TotalAmt022279
IRS990/Desc0THE CREDIT UNION CONSISTENTLY HAS SOME OF THE LOWEST LOAN RATES OFFERED. THE CREDIT UNION ALSO HAS THE LOWEST CHARGE OFF TOTALS AND DELINQUENCY RATIOS IN THE STATE AND NATION.PUBLIC EMPLOYEES CREDIT UNION IS NOT A COMMUNITY CREDIT UNION. OUR MEMBERS BENEFIT FROM THIS IN MANY WAYS. THE CREDIT UNION OFFERS PAYROLL DEDUCTION INTO SAVINGS ACCOUNTS AND FOR LOAN PAYMENTS FROM MOST OF THE EMPLOYER GROUPS. THE CREDIT UNION DOES NOT HAVE ADVERTISING COSTS MANY COMMUNITY CREDIT UNIONS HAVE.THE CREDIT UNION OFFERS COMPETITIVE SHARE, SHARE DRAFT, AND CERTIFICATES RATES. TOTAL MEMBERS SERVED WAS APPROXIMATELY 2004 DURING THE 2020 TAX YEAR.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt05
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/ExpenseAmt0886961
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt08814
IRS990/FeesForServicesAccountingGrp/TotalAmt08814
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt913570
IRS990/Form990PartVIISectionAGrp/PersonNm0PAUL HUTING
IRS990/Form990PartVIISectionAGrp/PersonNm1ERIC THORSON
IRS990/Form990PartVIISectionAGrp/PersonNm2JANE WAGNER
IRS990/Form990PartVIISectionAGrp/PersonNm3BONETTA CULP
IRS990/Form990PartVIISectionAGrp/PersonNm4JUDY KNUDSEN
IRS990/Form990PartVIISectionAGrp/PersonNm5BARBARA DODGE
IRS990/Form990PartVIISectionAGrp/PersonNm6DAVE MOHLIS
IRS990/Form990PartVIISectionAGrp/PersonNm7STEVE FINEGAN
IRS990/Form990PartVIISectionAGrp/PersonNm8GRANT VEEDER
IRS990/Form990PartVIISectionAGrp/PersonNm9LISA CARLO
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4AUD COMM
IRS990/Form990PartVIISectionAGrp/TitleTxt5SEC AUD COMM
IRS990/Form990PartVIISectionAGrp/TitleTxt6CHAIR AUDIT
IRS990/Form990PartVIISectionAGrp/TitleTxt7AUD COMM
IRS990/Form990PartVIISectionAGrp/TitleTxt8SEC. CRED COMM
IRS990/Form990PartVIISectionAGrp/TitleTxt9CEO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01952
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0963038
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt066854
IRS990/InformationTechnologyGrp/TotalAmt066854
IRS990/InsuranceGrp/ProgramServicesAmt022635
IRS990/InsuranceGrp/TotalAmt022635
IRS990/InterestGrp/ProgramServicesAmt0326782
IRS990/InterestGrp/TotalAmt0326782
IRS990/InvestmentIncomeGrp/ExclusionAmt0271146
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0271146
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0593
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0285685
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0206243
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0186508
IRS990/LandBldgEquipCostOrOtherBssAmt0472193
IRS990/LegalDomicileStateCd0IA
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt03560
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt03560
IRS990/MissionDesc0PUBLIC EMPLOYEES CREDIT UNION EXISTS TO PROVIDE GOOD RATES ON LOANS AND SAVINGS TO ITS MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt04316454
IRS990/NetAssetsOrFundBalancesEOYAmt04392531
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt039872
IRS990/OccupancyGrp/TotalAmt039872
IRS990/OfficeExpensesGrp/ProgramServicesAmt017699
IRS990/OfficeExpensesGrp/TotalAmt017699
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0303280
IRS990/OtherAssetsTotalGrp/EOYAmt0301292
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt024033
IRS990/OtherEmployeeBenefitsGrp/TotalAmt024033
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/ProgramServicesAmt022177
IRS990/OtherExpensesGrp/TotalAmt022177
IRS990/OtherLiabilitiesGrp/BOYAmt024556399
IRS990/OtherLiabilitiesGrp/EOYAmt027780386
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0SERVICE FEES
IRS990/OtherRevenueMiscGrp/Desc1INSURANCE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt039730
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt111057
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt039730
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt111057
IRS990/OtherRevenueTotalAmt054347
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0158343
IRS990/OtherSalariesAndWagesGrp/TotalAmt0158343
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt014798083
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt014329293
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt04635
IRS990/PaymentsToAffiliatesGrp/TotalAmt04635
IRS990/PayrollTaxesGrp/ProgramServicesAmt019830
IRS990/PayrollTaxesGrp/TotalAmt019830
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt0900000
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt0900000
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt024087
IRS990/PensionPlanContributionsGrp/TotalAmt024087
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt08390
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02067
IRS990/PrincipalOfficerNm0LISA CARLO
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0637545
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0637545
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0286718
IRS990/PYOtherExpensesAmt0529734
IRS990/PYOtherRevenueAmt060967
IRS990/PYProgramServiceRevenueAmt0617418
IRS990/PYRevenuesLessExpensesAmt0142755
IRS990/PYSalariesCompEmpBnftPaidAmt0292614
IRS990/PYTotalExpensesAmt0822348
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0965103
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt076077
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0691892
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03416454
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03492531
IRS990/SavingsAndTempCashInvstGrp/BOYAmt013050398
IRS990/SavingsAndTempCashInvstGrp/EOYAmt015938625
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt027819
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0122181
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0150000
IRS990ScheduleD/EquipmentGrp/BookValueAmt06318
IRS990ScheduleD/EquipmentGrp/DepreciationAmt021494
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt027812
IRS990ScheduleD/LandGrp/BookValueAmt0100000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0100000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt047021
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt061020
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0108041
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt05350
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt080990
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt086340
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt027780386
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0186508
IRS990ScheduleD/TotalLiabilityAmt027780386
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PUBLIC EMEPLOYEES CREDIT UNION IS SUPPORTED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE CREDIT UNION ELECT MEMBERS TO THE BOARD OF DIRECTORS AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A COPY OF THE FORM 990 IS NOT PROVIDED TO THE ORGANIZATION'S GOVERNING BODY BEFORE ITS FILING. THE CEO REVIEWS THE RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION HAS A PERSONNEL COMMITTEE SELECTED FROM MEMBERS OF THE BOARD OF DIRECTORS. THEY REVIEW COMPARABLE SALARY INFORMATION, ETC. THE COMMITTEE WILL MAKE RECOMMENDATIONS TO THE FULL BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4FINANCIAL STATEMENTS ARE POSTED EACH MONTH IN THE CREDIT UNION'S LOBBY.
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 B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt028901102
IRS990/TotalAssetsEOYAmt032199015
IRS990/TotalAssetsGrp/BOYAmt028901102
IRS990/TotalAssetsGrp/EOYAmt032199015
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0886961
IRS990/TotalFunctionalExpensesGrp/TotalAmt0886961
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt024584648
IRS990/TotalLiabilitiesEOYAmt027806484
IRS990/TotalLiabilitiesGrp/BOYAmt024584648
IRS990/TotalLiabilitiesGrp/EOYAmt027806484
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04316454
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04392531
IRS990/TotalOtherCompensationAmt013570
IRS990/TotalProgramServiceExpensesAmt0886961
IRS990/TotalProgramServiceRevenueAmt0637545
IRS990/TotalReportableCompFromOrgAmt081400
IRS990/TotalRevenueGrp/ExclusionAmt0271146
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0691892
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0963038
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt028901102
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt032199015
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt01174
IRS990/TravelGrp/TotalAmt01174
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0624 FRANKLIN STREET PO BOX 120
IRS990/USAddress/CityNm0WATERLOO
IRS990/USAddress/StateAbbreviationCd0IA
IRS990/USAddress/ZIPCd050704
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.PUBLICEMPLOYEESCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0LISA CARLO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum03192914375
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-05-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PUBLIC EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PUBL
ReturnHeader/Filer/EIN0420807884
ReturnHeader/Filer/PhoneNum03192914375
ReturnHeader/Filer/USAddress/AddressLine1Txt0624 FRANKLIN STREET PO BOX 120
ReturnHeader/Filer/USAddress/CityNm0WATERLOO
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IA
ReturnHeader/Filer/USAddress/ZIPCd050704
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0421186197
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GARDINER COMPANY PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt010555 NEW YORK AVENUE SUITE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0DES MOINES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd050322
ReturnHeader/PreparerPersonGrp/PhoneNum05152701446
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DENNIS GARDINER CPA
ReturnHeader/ReturnTs02021-05-28T15:18:36-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0LISA
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0CARLO
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

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