Civic Intelligence

Iowa Corporate Central Credit Union

EIN 42-0952918 • 501(c)14 • Clinton, IA

View Organization Page

Profile

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

3600 Anamosa RoadClinton, IA 52732

n/A

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 2015

Liabilities / Revenue

96th percentile

0.00x

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

501(c)14 • <$500k nonprofits • Source year 2015

Net Margin

48th percentile

-75%

Higher net margin than 48% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2015

Top Officer Pay

29th percentile

$0

Higher top officer pay than 29% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)14 • <$500k nonprofits • Source year 2015

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2014 to 2015

Revenue Growth

29th percentile

-71%

Faster revenue growth than 29% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $13,034,860 (-100%) from 2014

Liabilities

Down

$0

Down $10,942,136 (-100%) from 2014

Net Assets

Down

$0

Down $2,092,724 (-100%) from 2014

Operations
Liabilities / Revenue96th percentileNet Margin48th percentile

Revenue

Down

$116,434

Down $287,417 (-71%) from 2014

Expenses

Down

$203,623

Down $162,822 (-44%) from 2014

Net Income

Down

-$87,189

Down $124,595 (-333%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$15M$10M$5.0M$0Assets 2010: $11,395,514Liabilities 2010: $9,413,637Net Assets 2010: $1,981,8772010Assets 2012: $12,669,299Liabilities 2012: $10,647,651Net Assets 2012: $2,021,6482012Assets 2013: $13,268,719Liabilities 2013: $11,213,401Net Assets 2013: $2,055,3182013Assets 2014: $13,034,860Liabilities 2014: $10,942,136Net Assets 2014: $2,092,7242014Assets 2015: $0Liabilities 2015: $0Net Assets 2015: $02015

Highlighted filing

2015

Assets$0
Liabilities$0
Net Assets$0
Open 2015 Filing

Operations Trend

Revenue Growth29th percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $407,1042010Expenses 2012: $409,6632012Revenue 2013: $434,752Expenses 2013: $401,082Net Income 2013: $33,6702013Revenue 2014: $403,851Expenses 2014: $366,445Net Income 2014: $37,4062014Revenue 2015: $116,434Expenses 2015: $203,623Net Income 2015: -$87,1892015

Highlighted filing

2015

Revenue$116,434
Expenses$203,623
Net Income-$87,189
Open 2015 Filing

Filings

Most recent year

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

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$116,434
Expenses
$203,623
Net income
-$87,189
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.12$0.20$0.09
2014Detailed filing. Detailed filing data is available for this year.$13.0$10.9$2.09$0.40$0.37$0.04
2013Detailed filing. Detailed filing data is available for this year.$13.3$11.2$2.06$0.43$0.40$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.7$10.6$2.02$0.41
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.4$9.41$1.98$0.41
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Jun 30, 2015
Signed
Jun 30, 2016
Return Version
2015v2.1
Gross Receipts
$116,434
Mission and Program Overview

Mission

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

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$7,315,880$0▼ $7,315,880
Pd in Cap Srpls Land Bldg Eqp Fund$1,130,711$0▼ $1,130,711
Cash and Non-Interest-Bearing Accounts$1,048,755$0▼ $1,048,755
Rtn Earn Endowment Incm Other Fnds$962,013$0▼ $962,013
Receivables From Officers Etc$402,657$0▼ $402,657
Land, Buildings, and Equipment, Net$48,514$0▼ $48,514
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$13,034,860$0▼ $13,034,860
Other Assets Total$4,219,054$0▼ $4,219,054
Liabilities
Other Liabilities$10,927,727$0▼ $10,927,727
Accounts Payable and Accrued Expenses$14,409$0▼ $14,409
Total Liabilities$10,942,136$0▼ $10,942,136
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,092,724$0▼ $2,092,724
Total Liabilities and Net Assets / Fund Balance$13,034,860$0▼ $13,034,860
Compensation and Service Providers
Top Officer Pay29th percentile

Board Members and Trustees

NameTitle
Pat AlbrechtChairman
David EggersPresident
John LehmkuhlVice-chairman
Aaron KyarsgaardDirector
Brian GiffordDirector
Ed GluesingDirector
Laverne KeithDirector
Roger RuppDirector
Sue EberleDirector
Steve CampieSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$92,144
Investment Income
$24,290
Other Revenue
$0
Change in Net Assets
$-87,189
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$127,611
Salaries, Compensation, and Employee Benefits$76,012
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$64,779$0$0$64,779
Other Salaries and Wages$36,757$0$0$36,757
Current Officers, Directors, Trustees, and Key Employees$29,354--$29,354
Office Expenses$14,408$0$0$14,408
Depreciation Depletion$6,374$0$0$6,374
Pension Plan Contributions$5,159$0$0$5,159
Payroll Taxes$4,742$0$0$4,742
Insurance$4,378$0$0$4,378
Conferences and Meetings$2,840$0$0$2,840
Other Expenses$2,000$0$0$2,000
Advertising$1,960$0$0$1,960
Occupancy$1,629$0$0$1,629
All Other Expenses$1,430$0$0$1,430
Travel$764$0$0$764
Total Functional Expenses$203,623$0$0$203,623
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$402,657$0▼ $402,657
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
Yes
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 4

“Chemical Credit Union was merged with DuTrac Community Credit Union on May 31, 2015. DuTrac Community Credit Union is the surviving credit union.”

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

“Election of members and their rights the members elect the board of directors.”

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

“Decisions subject to approval of members. Some decisions are subject to approval of members.”

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

“Organization's process to review form 990 an e-mail is sent out to the members of the board of directors that the 990 return is ready for their review. A copy of the 990 return is available in the office for each member of the board of directors to review.”

Form 990, Part VI, Section C, Line 19

“Governing documents disclosure explanation - the forms are available by request at the credit union office.”

Filing and Contact Details

Filer

Filer Name
Iowa Corporate Central Credit Union
EIN
42-0952918
Phone
5635821331
Address
3600 ANAMOSA ROAD, CLINTON, IA 52732
Doing Business As
Chemical Credit Union

Signing Officer

Name
Debbie Reiff
Title
Asst. Controller
Phone
5635857400
Signed
2016-06-30

Organization Details

Principal Officer
Gail Witt
Formed
1968
Legal Domicile
Ia
Voting Board Members
10
Independent Board Members
10
Employees
4
Volunteers
0
Supplemental Narrative

Additional Explanations

Form 990, Header, Line B

“AMENDED FINAL RETURN”

Form 990, Part III, Line 3

“Chemical credit union merger with dutrac community credit union on june 1, 2015. Dutrac community credit union is the surviving credit union.”

Form 990, Part X, Line 16

“All assets and liabilities were merged with DuTrac Community Credit Union on 01JUN15”

Form 990, Part XI, Line 9

“All assets and liabilities were merged with dutrac community credit union on 01jun15”

Raw XML AppendixShowing 400 of 580 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/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0MASTERCARD EXPENSE
IRS990/OtherExpensesGrp/Desc1OUTSIDE SERVICES
IRS990/OtherExpensesGrp/Desc2LOAN SERVICE
IRS990/OtherExpensesGrp/Desc3EXAM FEE
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt014167
IRS990/OtherExpensesGrp/ProgramServicesAmt19442
IRS990/OtherExpensesGrp/ProgramServicesAmt23440
IRS990/OtherExpensesGrp/ProgramServicesAmt32000
IRS990/OtherExpensesGrp/TotalAmt014167
IRS990/OtherExpensesGrp/TotalAmt19442
IRS990/OtherExpensesGrp/TotalAmt23440
IRS990/OtherExpensesGrp/TotalAmt32000
IRS990/OtherLiabilitiesGrp/BOYAmt010927727
IRS990/OtherLiabilitiesGrp/EOYAmt00
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt036757
IRS990/OtherSalariesAndWagesGrp/TotalAmt036757
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt07315880
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd01
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt04742
IRS990/PayrollTaxesGrp/TotalAmt04742
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt01130711
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt05159
IRS990/PensionPlanContributionsGrp/TotalAmt05159
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0GAIL WITT
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND MISC INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt070384
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt121760
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt070384
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt121760
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt068811
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0195467
IRS990/PYOtherRevenueAmt060427
IRS990/PYProgramServiceRevenueAmt0274613
IRS990/PYRevenuesLessExpensesAmt037406
IRS990/PYSalariesCompEmpBnftPaidAmt0170978
IRS990/PYTotalExpensesAmt0366445
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0403851
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0402657
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-87189
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0116434
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0962013
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt04120
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt193406
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt221542
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt336879
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt486219
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt5740
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt622528
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt78842
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt833445
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd71
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd81
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd60
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd70
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd80
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0CREDIT UNION LOAN TO MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1CREDIT UNION LOAN TO MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2CREDIT UNION LOAN TO MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3CREDIT UNION LOAN TO MEMBER

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