Civic Intelligence

Sioux Valley Community Credit Union

990 • Fiscal year 2015 • EIN 42-0837840

Jan 01, 2015 to Dec 31, 2015 • Filed on Apr 01, 2016

Organization ProfileWWW.SIOUXVALLEYCCU.COM

View Organization Page

PO Box 387Sioux City, IA 51102-0387

(712) 277-1440

Siviq Scores

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

Liabilities / Assets

27th percentile

0.85x

Higher debt load relative to assets than 27% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

65th percentile

22.87x

Higher debt load relative to revenue than 65% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

47th percentile

7.0%

Higher net margin than 47% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

24th percentile

$73,672

Higher top officer pay than 24% of similar nonprofits.

Top officer pay equals 7.2% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

95th percentile

10%

Faster asset growth than 95% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

95th percentile

17%

Faster revenue growth than 95% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets27th percentile

Assets

Up

$27,458,482

Up $2,537,151 (+10%) from 2014

Net Assets

Up

$4,099,190

Up $75,928 (+1.9%) from 2014

Liabilities

Up

$23,359,292

Up $2,461,223 (+12%) from 2014

Revenue And Expenses
Liabilities / Revenue65th percentileNet Margin47th percentile

Revenue

Up

$1,021,518

Up $150,150 (+17%) from 2014

Expenses

Up

$950,171

Up $131,330 (+16%) from 2014

Net Income

Up

$71,347

Up $18,820 (+36%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth95th percentile

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

$40M$30M$20M$10M$0Assets 2010: $21,400,151Liabilities 2010: $17,283,613Net Assets 2010: $4,116,5382010Assets 2012: $22,700,180Liabilities 2012: $18,707,078Net Assets 2012: $3,993,1022012Assets 2013: $23,060,044Liabilities 2013: $19,091,068Net Assets 2013: $3,968,9762013Assets 2014: $24,921,331Liabilities 2014: $20,898,069Net Assets 2014: $4,023,2622014Assets 2015: $27,458,482Liabilities 2015: $23,359,292Net Assets 2015: $4,099,1902015Assets 2016: $28,215,040Liabilities 2016: $23,960,856Net Assets 2016: $4,254,1842016Assets 2017: $30,173,639Liabilities 2017: $25,998,249Net Assets 2017: $4,175,3902017Assets 2018: $28,380,660Liabilities 2018: $24,237,016Net Assets 2018: $4,143,6442018Assets 2019: $27,585,087Liabilities 2019: $23,426,851Net Assets 2019: $4,158,2362019Assets 2020: $33,760,429Liabilities 2020: $29,778,593Net Assets 2020: $3,981,8362020Assets 2021: $36,121,360Liabilities 2021: $32,137,061Net Assets 2021: $3,984,2992021Assets 2022: $36,890,475Liabilities 2022: $32,825,947Net Assets 2022: $4,064,5282022Assets 2023: $37,007,858Liabilities 2023: $32,790,863Net Assets 2023: $4,216,9952023Assets 2024: $39,026,121Liabilities 2024: $34,548,514Net Assets 2024: $4,477,6072024

Highlighted filing

2015

Assets$27,458,482
Liabilities$23,359,292
Net Assets$4,099,190
Open 2015 Filing

Operations Trend

Revenue Growth95th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $877,0092010Expenses 2012: $762,1172012Revenue 2013: $734,285Expenses 2013: $758,411Net Income 2013: -$24,1262013Revenue 2014: $871,368Expenses 2014: $818,841Net Income 2014: $52,5272014Revenue 2015: $1,021,518Expenses 2015: $950,171Net Income 2015: $71,3472015Revenue 2016: $1,205,930Expenses 2016: $1,054,298Net Income 2016: $151,6322016Revenue 2017: $1,139,084Expenses 2017: $1,214,932Net Income 2017: -$75,8482017Revenue 2018: $1,332,675Expenses 2018: $1,360,735Net Income 2018: -$28,0602018Revenue 2019: $1,380,185Expenses 2019: $1,356,581Net Income 2019: $23,6042019Revenue 2020: $1,244,754Expenses 2020: $1,421,154Net Income 2020: -$176,4002020Revenue 2021: $1,269,796Expenses 2021: $1,267,333Net Income 2021: $2,4632021Revenue 2022: $1,478,027Expenses 2022: $1,397,799Net Income 2022: $80,2282022Revenue 2023: $1,944,643Expenses 2023: $1,686,675Net Income 2023: $257,9682023Revenue 2024: $2,460,264Expenses 2024: $2,200,972Net Income 2024: $259,2922024

Highlighted filing

2015

Revenue$1,021,518
Expenses$950,171
Net Income$71,347
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Apr 1, 2016
Return Version
2015v2.1
Gross Receipts
$1,021,518
Mission and Program Overview

Mission

Operate 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$12,218,569$13,716,279▲ $1,497,710
Investments Program Related$8,738,423$9,870,474▲ $1,132,051
Rtn Earn Endowment Incm Other Fnds$3,318,563$3,389,909▲ $71,346
Accounts Receivable$2,423,933$2,313,855▼ $110,078
Cash and Non-Interest-Bearing Accounts$976,978$1,015,404▲ $38,426
Pd in Cap Srpls Land Bldg Eqp Fund$704,699$709,281▲ $4,582
Land, Buildings, and Equipment, Net$462,945$462,805▼ $140
Prepaid Expenses and Deferred Charges$63,117$33,292▼ $29,825
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$24,921,331$27,458,482▲ $2,537,151
Other Assets Total$37,366$46,373▲ $9,007
Liabilities
Other Liabilities$20,799,747$23,175,568▲ $2,375,821
Accounts Payable and Accrued Expenses$98,322$183,724▲ $85,402
Total Liabilities$20,898,069$23,359,292▲ $2,461,223
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,023,262$4,099,190▲ $75,928
Total Liabilities and Net Assets / Fund Balance$24,921,331$27,458,482▲ $2,537,151

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$229,050$660,721$889,771
Equipment$46,833$290,592$337,425
Land$184,948-$184,948
Leasehold Improvements$1,974$54,947$56,921
Investment Program Related Org$201,503--
Compensation and Service Providers
Top Officer Pay24th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
John ParksCEO/managerFT$68,560$5,112$73,672
Kathryn JohnsonDirector of OperationsFT$53,054$4,076$57,130

Board Members and Trustees

NameTitle
Ann HillChairperson
Sandy FettermanVice Chairperson
Gene CantrellAudit Committee
Joseph GiorgentiAudit Committee
Roland FosterAudit Committee
Tom MurphyAudit Committee
Ted MasseyCFO
Lily Mae RonfeldtCredit Committee
Nick GaulCredit Committee
Richard RabbCredit Committee
Debra WilsonSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$3,000
Program Service Revenue
$802,761
Investment Income
$72,927
Other Revenue
$142,830
All Other Contributions
$3,000
Change in Net Assets
$71,347
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$542,135
Salaries, Compensation, and Employee Benefits$408,036
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$209,776--$209,776
Current Officers, Directors, Trustees, and Key Employees$130,801--$130,801
Office Expenses$81,017--$81,017
Occupancy$69,164--$69,164
Depreciation Depletion$37,400--$37,400
Other Employee Benefits$33,823--$33,823
Interest$29,279--$29,279
Payroll Taxes$26,264--$26,264
Advertising$25,445--$25,445
Travel$19,919--$19,919
Insurance$17,164--$17,164
Fees for Services Accounting$13,422--$13,422
Payments to Affiliates$12,850--$12,850
All Other Expenses$9,461--$9,461
Other Expenses$8,548--$8,548
Pension Plan Contributions$7,372--$7,372
Conferences and Meetings$4,897--$4,897
Total Functional Expenses$950,171$0$0$950,171
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$23,175,568
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization is a credit union with members.”

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

“Volunteer board of directors are elected by members.”

Form 990, Part VI, Section B, Line 11

“The ceo will review the form 990.”

Form 990, Part VI, Section B, Line 12C

“Directors and staff sign conflict of interest form annually”

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

“The executive committee review the ceo salary and give a recomendation to the board of director's who voted for or against salary.”

Form 990, Part VI, Section C, Line 18

“Documents are available upon request, except financial statements are posted in the lobby area of each branch.”

Form 990, Part VI, Section C, Line 19

“Governing documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Sioux Valley Community Credit Union
EIN
42-0837840
Phone
7122771440
Address
PO BOX 387, SIOUX CITY, IA 51102-0387

Signing Officer

Name
John Parks
Title
CEO
Phone
7122771440
Signed
2016-04-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
John Parks
Formed
1952
Legal Domicile
Ia
Voting Board Members
11
Independent Board Members
11
Employees
19
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:

“LEGAL RESERVE 4,581.”

Raw XML AppendixShowing 400 of 428 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/BOYAmt098322
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0183724
IRS990/AccountsReceivableGrp/BOYAmt02423933
IRS990/AccountsReceivableGrp/EOYAmt02313855
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0OPERATE FOR THE PRIMARY PURPOSE OF PROMOTING THRIFT, PROVIDING CREDIT AT REASONABLE RATES, AND PROVIDING OTHER FINANCIAL SERVICES TO ITS MEMBERS.
IRS990/AdvertisingGrp/ProgramServicesAmt025445
IRS990/AdvertisingGrp/TotalAmt025445
IRS990/AllOtherContributionsAmt03000
IRS990/AllOtherExpensesGrp/ProgramServicesAmt09461
IRS990/AllOtherExpensesGrp/TotalAmt09461
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0KATHRYN JOHNSON
IRS990/BooksInCareOfDetail/PhoneNum07122771440
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01120 6TH ST
IRS990/BooksInCareOfDetail/USAddress/CityNm0SIOUX CITY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd051101
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0976978
IRS990/CashNonInterestBearingGrp/EOYAmt01015404
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0130801
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0130801
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt04897
IRS990/ConferencesMeetingsGrp/TotalAmt04897
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt03000
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt072927
IRS990/CYOtherExpensesAmt0542135
IRS990/CYOtherRevenueAmt0142830
IRS990/CYProgramServiceRevenueAmt0802761
IRS990/CYRevenuesLessExpensesAmt071347
IRS990/CYSalariesCompEmpBnftPaidAmt0408036
IRS990/CYTotalExpensesAmt0950171
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01021518
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt037400
IRS990/DepreciationDepletionGrp/TotalAmt037400
IRS990/Desc0TO PROVIDE FINANCIAL SERVICES TO MEMBERS - SHARE SAVINGS AND LOANS. TOTAL MEMBERS SERVERED FOR THE 2015 TAX YEAR - 2,743.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt019
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/ExpenseAmt0950171
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt013422
IRS990/FeesForServicesAccountingGrp/TotalAmt013422
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
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
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
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/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
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/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt115112
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt124076
IRS990/Form990PartVIISectionAGrp/PersonNm0ROLAND FOSTER
IRS990/Form990PartVIISectionAGrp/PersonNm1DEBRA WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm2ANN HILL
IRS990/Form990PartVIISectionAGrp/PersonNm3TED MASSEY
IRS990/Form990PartVIISectionAGrp/PersonNm4LILY MAE RONFELDT
IRS990/Form990PartVIISectionAGrp/PersonNm5TOM MURPHY
IRS990/Form990PartVIISectionAGrp/PersonNm6SANDY FETTERMAN
IRS990/Form990PartVIISectionAGrp/PersonNm7RICHARD RABB
IRS990/Form990PartVIISectionAGrp/PersonNm8JOSEPH GIORGENTI
IRS990/Form990PartVIISectionAGrp/PersonNm9GENE CANTRELL
IRS990/Form990PartVIISectionAGrp/PersonNm10NICK GAUL
IRS990/Form990PartVIISectionAGrp/PersonNm11JOHN PARKS
IRS990/Form990PartVIISectionAGrp/PersonNm12KATHRYN JOHNSON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1168560
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1253054
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
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/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/TitleTxt0AUDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt3CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt4CREDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt5AUDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt6VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt7CREDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt8AUDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt9AUDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt10CREDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt11CEO/MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR OF OPERATIONS
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01952
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt01021518
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InsuranceGrp/ProgramServicesAmt017164
IRS990/InsuranceGrp/TotalAmt017164
IRS990/InterestGrp/ProgramServicesAmt029279
IRS990/InterestGrp/TotalAmt029279
IRS990/InvestmentIncomeGrp/ExclusionAmt072927
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt072927
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt08738423
IRS990/InvestmentsProgramRelatedGrp/EOYAmt09870474
IRS990/IRPDocumentCnt0462
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01006260
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0462945
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0462805
IRS990/LandBldgEquipCostOrOtherBssAmt01469065
IRS990/LegalDomicileStateCd0IA
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt027217
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt027217
IRS990/MissionDesc0OPERATE FOR THE PRIMARY PURPOSE OF PROMOTING THRIFT, PROVIDING CREDIT AT REASONABLE RATES, AND PROVIDING OTHER FINANCIAL SERVICES TO ITS MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt04023262
IRS990/NetAssetsOrFundBalancesEOYAmt04099190
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt069164
IRS990/OccupancyGrp/TotalAmt069164
IRS990/OfficeExpensesGrp/ProgramServicesAmt081017
IRS990/OfficeExpensesGrp/TotalAmt081017
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt037366
IRS990/OtherAssetsTotalGrp/EOYAmt046373
IRS990/OtherChangesInNetAssetsAmt04581
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt033823
IRS990/OtherEmployeeBenefitsGrp/TotalAmt033823
IRS990/OtherExpensesGrp/Desc0PROFESSIONAL & OUTSIDE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/ProgramServicesAmt0148051
IRS990/OtherExpensesGrp/ProgramServicesAmt165518
IRS990/OtherExpensesGrp/ProgramServicesAmt28548
IRS990/OtherExpensesGrp/TotalAmt0148051
IRS990/OtherExpensesGrp/TotalAmt165518
IRS990/OtherExpensesGrp/TotalAmt28548
IRS990/OtherInd0X
IRS990/OtherLiabilitiesGrp/BOYAmt020799747
IRS990/OtherLiabilitiesGrp/EOYAmt023175568
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0SERVICE FEES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0115613
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0115613
IRS990/OtherRevenueTotalAmt0142830
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0209776
IRS990/OtherSalariesAndWagesGrp/TotalAmt0209776
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt012218569
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt013716279
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt012850
IRS990/PaymentsToAffiliatesGrp/TotalAmt012850
IRS990/PayrollTaxesGrp/ProgramServicesAmt026264
IRS990/PayrollTaxesGrp/TotalAmt026264
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt0704699
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt0709281
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt07372
IRS990/PensionPlanContributionsGrp/TotalAmt07372
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt063117
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt033292
IRS990/PrincipalOfficerNm0JOHN PARKS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1CC INTERCHANGE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0744008
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt158753
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0744008
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt158753
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt063117
IRS990/PYOtherExpensesAmt0436654
IRS990/PYOtherRevenueAmt0143668
IRS990/PYProgramServiceRevenueAmt0664583
IRS990/PYRevenuesLessExpensesAmt052527
IRS990/PYSalariesCompEmpBnftPaidAmt0382187
IRS990/PYTotalExpensesAmt0818841
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0871368
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt071347
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt0945591
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03318563
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03389909
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0229050
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0660721
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0889771
IRS990ScheduleD/EquipmentGrp/BookValueAmt046833
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0290592
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0337425
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt01898971
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt17770000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2201503
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CORP CENTRAL
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1DEPOSITS IN COMMERCIAL BANKS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2NCB RESERVE ACCOUNT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/LandGrp/BookValueAmt0184948
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0184948
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01974
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt054947
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt056921
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt023175568
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0462805
IRS990ScheduleD/TotalBookValueProgramRltdAmt09870474
IRS990ScheduleD/TotalLiabilityAmt023175568
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION IS A CREDIT UNION WITH MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1VOLUNTEER BOARD OF DIRECTORS ARE ELECTED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CEO WILL REVIEW THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DIRECTORS AND STAFF SIGN CONFLICT OF INTEREST FORM ANNUALLY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE EXECUTIVE COMMITTEE REVIEW THE CEO SALARY AND GIVE A RECOMENDATION TO THE BOARD OF DIRECTOR'S WHO VOTED FOR OR AGAINST SALARY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DOCUMENTS ARE AVAILABLE UPON REQUEST, EXCEPT FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY AREA OF EACH BRANCH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7LEGAL RESERVE 4,581.
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 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 18
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/TotalAssetsBOYAmt024921331
IRS990/TotalAssetsEOYAmt027458482
IRS990/TotalAssetsGrp/BOYAmt024921331
IRS990/TotalAssetsGrp/EOYAmt027458482
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt03000
IRS990/TotalEmployeeCnt019
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0950171
IRS990/TotalFunctionalExpensesGrp/TotalAmt0950171
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt020898069
IRS990/TotalLiabilitiesEOYAmt023359292
IRS990/TotalLiabilitiesGrp/BOYAmt020898069
IRS990/TotalLiabilitiesGrp/EOYAmt023359292
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04023262
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04099190
IRS990/TotalOtherCompensationAmt09188
IRS990/TotalProgramServiceExpensesAmt0950171
IRS990/TotalProgramServiceRevenueAmt0802761
IRS990/TotalReportableCompFromOrgAmt0121614
IRS990/TotalRevenueGrp/ExclusionAmt072927
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0945591
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01021518
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt024921331
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt027458482
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt019919
IRS990/TravelGrp/TotalAmt019919
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 387
IRS990/USAddress/CityNm0SIOUX CITY
IRS990/USAddress/StateAbbreviationCd0IA
IRS990/USAddress/ZIPCd0511020387
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt011
IRS990/WebsiteAddressTxt0WWW.SIOUXVALLEYCCU.COM

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$27,458,482
Liabilities
$23,359,292
Net assets
$4,099,190
Revenue
$1,021,518
Expenses
$950,171
Net income
$71,347
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$39.0$34.5$4.48$2.46$2.20$0.26
2023Detailed filing. Detailed filing data is available for this year.$37.0$32.8$4.22$1.94$1.69$0.26
2022Detailed filing. Detailed filing data is available for this year.$36.9$32.8$4.06$1.48$1.40$0.08
2021Detailed filing. Detailed filing data is available for this year.$36.1$32.1$3.98$1.27$1.27$0.00
2020Detailed filing. Detailed filing data is available for this year.$33.8$29.8$3.98$1.24$1.42$0.18
2019Detailed filing. Detailed filing data is available for this year.$27.6$23.4$4.16$1.38$1.36$0.02
2018Detailed filing. Detailed filing data is available for this year.$28.4$24.2$4.14$1.33$1.36$0.03
2017Detailed filing. Detailed filing data is available for this year.$30.2$26.0$4.18$1.14$1.21$0.08
2016Detailed filing. Detailed filing data is available for this year.$28.2$24.0$4.25$1.21$1.05$0.15
2015Detailed filing. Detailed filing data is available for this year.$27.5$23.4$4.10$1.02$0.95$0.07
2014Detailed filing. Detailed filing data is available for this year.$24.9$20.9$4.02$0.87$0.82$0.05
2013Detailed filing. Detailed filing data is available for this year.$23.1$19.1$3.97$0.73$0.76$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.7$18.7$3.99$0.76
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.4$17.3$4.12$0.88
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $25M-$50M nonprofits