Civic Intelligence

Dubuque Postal Employees Credit Union

990 • Fiscal year 2016 • EIN 42-0846984

Jan 01, 2016 to Dec 31, 2016 • Filed on Mar 10, 2017

Organization ProfileN/A
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

75th percentile

0.88x

Higher debt load relative to assets than 75% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

94th percentile

38.41x

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

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Net Margin

56th percentile

5.1%

Higher net margin than 56% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

44th percentile

$22,200

Higher top officer pay than 44% of similar nonprofits.

Top officer pay equals 22.8% of source-year revenue.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Asset Growth

42nd percentile

-1.8%

Faster asset growth than 42% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

21st percentile

-8.4%

Faster revenue growth than 21% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets75th percentile

Assets

Down

$4,236,289

Down $76,459 (-1.8%) from 2015

Net Assets

Up

$504,547

Up $12,805 (+2.6%) from 2015

Liabilities

Down

$3,731,742

Down $89,264 (-2.3%) from 2015

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin56th percentile

Revenue

Down

$97,165

Down $8,928 (-8.4%) from 2015

Expenses

Up

$92,177

Up $8,864 (+11%) from 2015

Net Income

Down

$4,988

Down $17,792 (-78%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth42nd 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

2016

Assets$4,236,289
Liabilities$3,731,742
Net Assets$504,547
Open 2016 Filing

Operations Trend

Revenue Growth21st 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

2016

Revenue$97,165
Expenses$92,177
Net Income$4,988
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Mar 10, 2017
Return Version
2016v3.0
Gross Receipts
$397,165
Mission and Program Overview

Mission

Credit unions create a source of credit at a reasonable rate of interest, encourage habits of thrift among their members, and provide an opportunity for their members to use and control their own money on a democratic basis in order to improve their economic and social condition.

To serve our members with savings and loan products.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$2,499,000$1,799,000▼ $700,000
Savings and Temporary Cash Investments$550,000$1,295,715▲ $745,715
Other Notes and Loans Receivable, Net$859,554$861,425▲ $1,871
Rtn Earn Endowment Incm Other Fnds$491,742$504,547▲ $12,805
Cash and Non-Interest-Bearing Accounts$289,173$167,407▼ $121,766
Land, Buildings, and Equipment, Net$75,988$74,788▼ $1,200
Total Assets$4,312,748$4,236,289▼ $76,459
Other Assets Total$39,033$37,954▼ $1,079
Liabilities
Other Liabilities$3,795,393$3,715,923▼ $79,470
Accounts Payable and Accrued Expenses$25,613$15,819▼ $9,794
Total Liabilities$3,821,006$3,731,742▼ $89,264
Net Assets / Fund Balance
Total Net Assets Fund Balance$491,742$504,547▲ $12,805
Total Liabilities and Net Assets / Fund Balance$4,312,748$4,236,289▼ $76,459

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$34,788$17,700$52,488
Land$40,000-$40,000
Investment Program Related Org$350,000--
Compensation and Service Providers
Top Officer Pay44th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Ray PreglerPresidentPT$22,200$22,200

Board Members and Trustees

NameTitle
Mark GieseChair
Al BuelowVice Chair
Craig LarsonDirector
Ken DolphinDirector
Tim PeppmeierDirector
Tom HoffmanDirector
Tom KiernanDirector
Steve SandersSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$43,620
Investment Income
$53,296
Other Revenue
$249
Change in Net Assets
$4,988
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$68,430
Salaries, Compensation, and Employee Benefits$23,747
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses---$33,950
Current Officers, Directors, Trustees, and Key Employees---$22,200
Office Expenses---$10,072
Occupancy---$5,850
Advertising---$5,250
Conferences and Meetings---$5,050
Insurance---$3,900
Information Technology---$3,158
Payroll Taxes---$1,547
Depreciation Depletion---$1,200
Total Functional Expenses$0$0$0$92,177
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$3,715,923
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

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

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

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

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

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

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

“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 12C

“Oversite provided by the board and committees on a regular basis.”

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

“Governing documents are made available 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
2017-03-10

Organization Details

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

Preparer

Preparer
Brent Wookey
Raw XML Appendix323 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A MEMBER VOTE IS REQUIRED FOR DECISIONS WHICH ARE BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS. ITEMS WHICH REQUIRE A MEMBERSHIP VOTE ARE OUTLINED AND SPECIFIED IN OUR BYLAWS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/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/ExplanationTxt4OVERSITE PROVIDED BY THE BOARD AND COMMITTEES ON A REGULAR BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE 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/ExplanationTxt6GOVERNING DOCUMENTS ARE MADE AVAILABLE UPON 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 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt04312748
IRS990/TotalAssetsEOYAmt04236289
IRS990/TotalAssetsGrp/BOYAmt04312748
IRS990/TotalAssetsGrp/EOYAmt04236289
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt092177
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03821006
IRS990/TotalLiabilitiesEOYAmt03731742
IRS990/TotalLiabilitiesGrp/BOYAmt03821006
IRS990/TotalLiabilitiesGrp/EOYAmt03731742
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0491742
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0504547
IRS990/TotalProgramServiceRevenueAmt043620
IRS990/TotalReportableCompFromOrgAmt022200
IRS990/TotalRevenueGrp/ExclusionAmt053545
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt043620
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt097165
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04312748
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04236289
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/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/PersonNm0RAY PREGLER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05635829515
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-03-10
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/FilingSecurityInformation/AtSubmissionCreationDeviceId04C5A70F7A5FDA4811252E2883A9E531D3168B42F
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId04C5A70F7A5FDA4811252E2883A9E531D3168B42F
ReturnHeader/PreparerPersonGrp/PreparationDt02017-03-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT WOOKEY
ReturnHeader/ReturnTs02017-03-13T17:14:57-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$4,236,289
Liabilities
$3,731,742
Net assets
$504,547
Revenue
$97,165
Expenses
$92,177
Net income
$4,988
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