Civic Intelligence

Dubuque Postal Employees Credit Union

990 • Fiscal year 2015 • EIN 42-0846984

Jan 01, 2015 to Dec 31, 2015 • Filed on Mar 14, 2016

Organization Profilewww.dpecu.com
1155 Loras BlvdDubuque, IA 52001

(563) 582-9515

Siviq Scores

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

Liabilities / Assets

76th percentile

0.89x

Higher debt load relative to assets than 76% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

94th percentile

36.02x

Higher debt load relative to revenue than 94% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Net Margin

92nd percentile

21%

Higher net margin than 92% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

43rd percentile

$21,600

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 20.4% of source-year revenue.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Asset Growth

30th percentile

-1.9%

Faster asset growth than 30% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

88th percentile

8.1%

Faster revenue growth than 88% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets76th percentile

Assets

Down

$4,312,748

Down $83,369 (-1.9%) from 2014

Net Assets

Up

$491,742

Up $22,780 (+4.9%) from 2014

Liabilities

Down

$3,821,006

Down $106,149 (-2.7%) from 2014

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin92nd percentile

Revenue

Up

$106,093

Up $7,979 (+8.1%) from 2014

Expenses

Down

$83,313

Down $3,905 (-4.5%) from 2014

Net Income

Up

$22,780

Up $11,884 (+109%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth30th percentile

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

$6.0M$4.0M$2.0M$0Assets 2012: $4,662,368Liabilities 2012: $4,220,220Net Assets 2012: $442,1482012Assets 2013: $4,455,327Liabilities 2013: $3,997,261Net Assets 2013: $458,0662013Assets 2014: $4,396,117Liabilities 2014: $3,927,155Net Assets 2014: $468,9622014Assets 2015: $4,312,748Liabilities 2015: $3,821,006Net Assets 2015: $491,7422015Assets 2016: $4,236,289Liabilities 2016: $3,731,742Net Assets 2016: $504,5472016Assets 2017: $4,512,130Liabilities 2017: $3,997,463Net Assets 2017: $514,6672017Assets 2018: $4,615,981Liabilities 2018: $4,086,154Net Assets 2018: $529,8272018Assets 2019: $4,569,173Liabilities 2019: $4,040,402Net Assets 2019: $528,7712019Assets 2020: $5,258,664Liabilities 2020: $4,712,515Net Assets 2020: $546,1492020Assets 2021: $5,566,198Liabilities 2021: $5,006,074Net Assets 2021: $560,1242021Assets 2022: $5,230,606Liabilities 2022: $4,644,371Net Assets 2022: $586,2352022Assets 2023: $4,337,624Liabilities 2023: $3,733,096Net Assets 2023: $604,5282023Assets 2024: $4,221,526Liabilities 2024: $3,600,336Net Assets 2024: $621,1902024Assets 2025: $4,394,819Liabilities 2025: $3,750,569Net Assets 2025: $644,2502025

Highlighted filing

2015

Assets$4,312,748
Liabilities$3,821,006
Net Assets$491,742
Open 2015 Filing

Operations Trend

Revenue Growth88th percentile

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

$200K$150K$100K$50K$0-$50KExpenses 2012: $116,9812012Revenue 2013: $116,690Expenses 2013: $100,772Net Income 2013: $15,9182013Revenue 2014: $98,114Expenses 2014: $87,218Net Income 2014: $10,8962014Revenue 2015: $106,093Expenses 2015: $83,313Net Income 2015: $22,7802015Revenue 2016: $97,165Expenses 2016: $92,177Net Income 2016: $4,9882016Revenue 2017: $105,482Expenses 2017: $95,409Net Income 2017: $10,0732017Revenue 2018: $126,731Expenses 2018: $111,571Net Income 2018: $15,1602018Revenue 2019: $132,762Expenses 2019: $133,818Net Income 2019: -$1,0562019Revenue 2020: $129,719Expenses 2020: $112,381Net Income 2020: $17,3382020Revenue 2021: $116,250Expenses 2021: $102,283Net Income 2021: $13,9672021Revenue 2022: $132,749Expenses 2022: $112,482Net Income 2022: $20,2672022Revenue 2023: $145,343Expenses 2023: $130,456Net Income 2023: $14,8872023Revenue 2024: $171,846Expenses 2024: $155,184Net Income 2024: $16,6622024Revenue 2025: $183,452Expenses 2025: $160,392Net Income 2025: $23,0602025

Highlighted filing

2015

Revenue$106,093
Expenses$83,313
Net Income$22,780
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Mar 14, 2016
Return Version
2015v2.1
Gross Receipts
$706,093
Mission and Program Overview

Mission

To serve our members with both savings and loan products. To create a source of credit at a fair and reasonable rate of interest, encourage thrift among our members and provide the opportunity for our members to use and control their savings to their benefit.

Serve our members with both savings and loan products.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related-$2,499,000-
Other Notes and Loans Receivable, Net$841,925$859,554▲ $17,629
Savings and Temporary Cash Investments$3,250,000$550,000▼ $2,700,000
Rtn Earn Endowment Incm Other Fnds$468,962$491,742▲ $22,780
Cash and Non-Interest-Bearing Accounts$227,004$289,173▲ $62,169
Land, Buildings, and Equipment, Net$77,188$75,988▼ $1,200
Total Assets$4,396,117$4,312,748▼ $83,369
Other Assets Total-$39,033-
Liabilities
Other Liabilities$3,903,281$3,795,393▼ $107,888
Accounts Payable and Accrued Expenses$23,874$25,613▲ $1,739
Total Liabilities$3,927,155$3,821,006▼ $106,149
Net Assets / Fund Balance
Total Net Assets Fund Balance$468,962$491,742▲ $22,780
Total Liabilities and Net Assets / Fund Balance$4,396,117$4,312,748▼ $83,369

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$2,499,000--
Buildings$35,988$16,500-
Land$40,000--
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Ray PreglerPresidentPT$21,600$21,600

Board Members and Trustees

NameTitle
Mark GieseChair
Al BuelowVice Chair
Ron RicheyDirector
Tim PeppmeierDirector
Todd KelleherDirector
Tom HoffmanDirector
Tom KiernanDirector
Steve SandersSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$41,946
Investment Income
$63,995
Other Revenue
$152
Change in Net Assets
$22,780
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$60,061
Salaries, Compensation, and Employee Benefits$23,252
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses---$31,500
Current Officers, Directors, Trustees, and Key Employees---$21,600
Office Expenses---$10,005
Occupancy---$6,750
Advertising---$4,675
Information Technology---$3,026
Insurance---$2,905
Payroll Taxes---$1,652
Depreciation Depletion---$1,200
Total Functional Expenses$0$0$0$83,313
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 Share Accounts$3,795,393
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The organization has members. To be a member, you 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

“Management provides data to independent cpa who prepares the 990. Management reviews the return for accuracy, and then authorizes cpa to e- file the approved return. Management reviews the return with the directors at the next board meeting.”

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

“The board of directors reviews and determines the compensation for the president. This is approved by the directors and noted in the board minutes.”

Form 990, Page 6, Part VI, Line 19

“UPON REQUEST.”

Filing and Contact Details

Filer

Filer Name
Dubuque Postal Employees Credit Uni
EIN
42-0846984
Phone
5635829515
Address
1155 LORAS BLVD, DUBUQUE, IA 52001

Signing Officer

Name
Ray Pregler
Title
President
Phone
5635829515
Signed
2016-03-14

Organization Details

Principal Officer
Ray Pregler
Formed
1927
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
8
Employees
1
Volunteers
8

Preparer

Preparer
Brent Wookey CPA
Raw XML Appendix309 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/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER, YOU 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/ExplanationTxt3MANAGEMENT PROVIDES DATA TO INDEPENDENT CPA WHO PREPARES THE 990. MANAGEMENT REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES CPA TO E- FILE THE APPROVED RETURN. MANAGEMENT REVIEWS THE RETURN WITH THE DIRECTORS AT THE NEXT BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS REVIEWS AND DETERMINES THE COMPENSATION FOR THE PRESIDENT. THIS IS APPROVED BY THE DIRECTORS AND NOTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5UPON REQUEST.
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 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt04396117
IRS990/TotalAssetsEOYAmt04312748
IRS990/TotalAssetsGrp/BOYAmt04396117
IRS990/TotalAssetsGrp/EOYAmt04312748
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt083313
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03927155
IRS990/TotalLiabilitiesEOYAmt03821006
IRS990/TotalLiabilitiesGrp/BOYAmt03927155
IRS990/TotalLiabilitiesGrp/EOYAmt03821006
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0468962
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0491742
IRS990/TotalProgramServiceRevenueAmt041946
IRS990/TotalReportableCompFromOrgAmt021600
IRS990/TotalRevenueGrp/ExclusionAmt064147
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt041946
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0106093
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04396117
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04312748
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01155 LORAS BLVD
IRS990/USAddress/CityNm0DUBUQUE
IRS990/USAddress/StateAbbreviationCd0IA
IRS990/USAddress/ZIPCd052001
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt08
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/PersonNm0RAY PREGLER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05635829515
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-03-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0DUBUQUE POSTAL EMPLOYEES CREDIT UNI
ReturnHeader/Filer/BusinessNameControlTxt0DUBU
ReturnHeader/Filer/EIN0420846984
ReturnHeader/Filer/PhoneNum05635829515
ReturnHeader/Filer/USAddress/AddressLine1Txt01155 LORAS BLVD
ReturnHeader/Filer/USAddress/CityNm0DUBUQUE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IA
ReturnHeader/Filer/USAddress/ZIPCd052001
ReturnHeader/PreparerPersonGrp/PreparationDt02016-03-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT WOOKEY CPA
ReturnHeader/ReturnTs02016-03-15T11:42:48-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$4,312,748
Liabilities
$3,821,006
Net assets
$491,742
Revenue
$106,093
Expenses
$83,313
Net income
$22,780
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$4.39$3.75$0.64$0.18$0.16$0.02
2024Detailed filing. Detailed filing data is available for this year.$4.22$3.60$0.62$0.17$0.16$0.02
2023Detailed filing. Detailed filing data is available for this year.$4.34$3.73$0.60$0.15$0.13$0.01
2022Detailed filing. Detailed filing data is available for this year.$5.23$4.64$0.59$0.13$0.11$0.02
2021Detailed filing. Detailed filing data is available for this year.$5.57$5.01$0.56$0.12$0.10$0.01
2020Detailed filing. Detailed filing data is available for this year.$5.26$4.71$0.55$0.13$0.11$0.02
2019Detailed filing. Detailed filing data is available for this year.$4.57$4.04$0.53$0.13$0.13$0.00
2018Detailed filing. Detailed filing data is available for this year.$4.62$4.09$0.53$0.13$0.11$0.02
2017Detailed filing. Detailed filing data is available for this year.$4.51$4.00$0.51$0.11$0.10$0.01
2016Detailed filing. Detailed filing data is available for this year.$4.24$3.73$0.50$0.10$0.09$0.00
2015Detailed filing. Detailed filing data is available for this year.$4.31$3.82$0.49$0.11$0.08$0.02
2014Detailed filing. Detailed filing data is available for this year.$4.40$3.93$0.47$0.10$0.09$0.01
2013Detailed filing. Detailed filing data is available for this year.$4.46$4.00$0.46$0.12$0.10$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.66$4.22$0.44$0.12