ABRI CREDIT UNION: Form 990, tax year 2019
View the entire original 990 at ProPublica ↗
- Organization
- ABRI CREDIT UNION (EIN 36-2146035)
- Tax period
- 2019-01-01 to 2019-12-31
- Filed
- 2020-05-15
- IRS object ID
- 202021369349301322
- Schema version
- 2019v5.1
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2020-05-15T07:56:40-05:00 | ReturnTs |
| Tax Period End | 2019-12-31 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 390758449 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | WIPFLI LLP | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | PO BOX 8010 | AddressLine1Txt |
| City | WAUSAU | CityNm |
| State Abbreviation | WI | StateAbbreviationCd |
| ZIP | 544028010 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnTypeCd |
| Tax Period Begin | 2019-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 362146035 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | ABRI CREDIT UNION | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | ABRI | BusinessNameControlTxt |
| Phone | 8152677700 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1350 W RENWICK ROAD | AddressLine1Txt |
| City | ROMEOVILLE | CityNm |
| State Abbreviation | IL | StateAbbreviationCd |
| ZIP | 60446 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | BRIAN CEDERGREN | PersonNm |
| Person Title | PRESIDENT/CEO | PersonTitleTxt |
| Phone | 8152677700 | PhoneNum |
| Signature | 2020-05-13 | SignatureDt |
| Discuss With Paid Preparer | Yes (1) | DiscussWithPaidPreparerInd |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | MARY A COATES CPA | PreparerPersonNm |
| PTIN | P00134220 | PTIN |
| Phone | 7158453111 | PhoneNum |
| Preparation | 2020-05-12 | PreparationDt |
Filing Security Information FilingSecurityInformation
IP Address IPAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| I Pv4 Address | 24.240.116.52 | IPv4AddressTxt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| IP | 2020-05-13 | IPDt |
| IP Tm | 12:53:54 | IPTm |
| IP Timezone | CD | IPTimezoneCd |
| Filing License Type | P | FilingLicenseTypeCd |
| At Submission Creation Device Id | DA39A3EE5E6B4B0D3255BFEF95601890AFD80709 | AtSubmissionCreationDeviceId |
| At Submission Filing Device Id | BA1B6B71409BCBA719E7BBFC6116F39ABC0DB0A7 | AtSubmissionFilingDeviceId |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2019 | TaxYr |
| Build TS | 2021-04-22 16:20:28Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Principal Officer | BRIAN CEDERGREN | PrincipalOfficerNm |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1350 W RENWICK ROAD | AddressLine1Txt |
| City | ROMEOVILLE | CityNm |
| State Abbreviation | IL | StateAbbreviationCd |
| ZIP | 60446 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | $15,768,049 | GrossReceiptsAmt |
| Group Return For Affiliates | 0 | GroupReturnForAffiliatesInd |
| Organization501c | Yes (X) | Organization501cInd |
| Website Address | WWW.ABRICU.COM | WebsiteAddressTxt |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Formation | 1949 | FormationYr |
| Legal Domicile State | IL | LegalDomicileStateCd |
| Activity Or Mission | ABRI CREDIT UNION IS A NOT-FOR-PROFIT, FULL-SERVICE FINANCIAL COOPERATIVE THAT EXISTS TO HELP OUR MEMBERS SUCCEED FINANCIALLY. WE SERVE RESIDENTS & BUSINESSES IN DUPAGE, WILL & PORTIONS OF COOK COUNTY. | ActivityOrMissionDesc |
| Voting Members Governing Body | 9 | VotingMembersGoverningBodyCnt |
| Voting Members Independent | 9 | VotingMembersIndependentCnt |
| Total Employee | 143 | TotalEmployeeCnt |
| Total Volunteers | 9 | TotalVolunteersCnt |
| Total Gross UBI | $0 | TotalGrossUBIAmt |
| Net Unrelated Bus Txbl Incm | $0 | NetUnrelatedBusTxblIncmAmt |
| PY Contributions Grants | $0 | PYContributionsGrantsAmt |
| CY Contributions Grants | $0 | CYContributionsGrantsAmt |
| PY Program Service Revenue | $13,319,938 | PYProgramServiceRevenueAmt |
| CY Program Service Revenue | $14,206,285 | CYProgramServiceRevenueAmt |
| PY Investment Income | $1,576,190 | PYInvestmentIncomeAmt |
| CY Investment Income | $1,521,764 | CYInvestmentIncomeAmt |
| PY Other Revenue | $0 | PYOtherRevenueAmt |
| CY Other Revenue | $0 | CYOtherRevenueAmt |
| PY Total Revenue | $14,896,128 | PYTotalRevenueAmt |
| CY Total Revenue | $15,728,049 | CYTotalRevenueAmt |
| PY Grants And Similar Paid | $0 | PYGrantsAndSimilarPaidAmt |
| CY Grants And Similar Paid | $0 | CYGrantsAndSimilarPaidAmt |
| PY Benefits Paid To Members | $0 | PYBenefitsPaidToMembersAmt |
| CY Benefits Paid To Members | $0 | CYBenefitsPaidToMembersAmt |
| PY Salaries Comp Emp Bnft Paid | $6,428,888 | PYSalariesCompEmpBnftPaidAmt |
| CY Salaries Comp Emp Bnft Paid | $6,564,731 | CYSalariesCompEmpBnftPaidAmt |
| PY Total Prof Fndrsng Expns | $0 | PYTotalProfFndrsngExpnsAmt |
| CY Total Prof Fndrsng Expns | $0 | CYTotalProfFndrsngExpnsAmt |
| CY Total Fundraising Expense | $0 | CYTotalFundraisingExpenseAmt |
| PY Other Expenses | $6,719,788 | PYOtherExpensesAmt |
| CY Other Expenses | $8,228,459 | CYOtherExpensesAmt |
| PY Total Expenses | $13,148,676 | PYTotalExpensesAmt |
| CY Total Expenses | $14,793,190 | CYTotalExpensesAmt |
| PY Revenues Less Expenses | $1,747,452 | PYRevenuesLessExpensesAmt |
| CY Revenues Less Expenses | $934,859 | CYRevenuesLessExpensesAmt |
| Total Assets BOY | $318,864,958 | TotalAssetsBOYAmt |
| Total Assets EOY | $326,970,723 | TotalAssetsEOYAmt |
| Total Liabilities BOY | $288,535,787 | TotalLiabilitiesBOYAmt |
| Total Liabilities EOY | $294,402,379 | TotalLiabilitiesEOYAmt |
| Net Assets Or Fund Balances BOY | $30,329,171 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $32,568,344 | NetAssetsOrFundBalancesEOYAmt |
| Mission | ABRI CREDIT UNION IS A NOT-FOR-PROFIT, FULL-SERVICE FINANCIAL COOPERATIVE THAT EXISTS TO HELP OUR MEMBERS SUCCEED FINANCIALLY. WE SERVE RESIDENTS & BUSINESSES IN DUPAGE, WILL & PORTIONS OF COOK COUNTY. | MissionDesc |
| Significant New Program Srvc | 0 | SignificantNewProgramSrvcInd |
| Significant Change | 0 | SignificantChangeInd |
| Desc | PROVIDED FINANCIAL SERVICES TO 27,984 MEMBERS, PROVIDED 16,348 CONSUMER AND REAL ESTATE LOANS, MAINTAINED 48,660 DEPOSIT ACCOUNTS FOR THE BENEFIT OF OUR MEMBERS/OWNERS. | Desc |
| Described In Section501c3 | 0 | DescribedInSection501c3Ind |
| Schedule B Required | 0 | ScheduleBRequiredInd |
| Political Campaign Acty | Yes (1) | PoliticalCampaignActyInd |
| Subject To Proxy Tax | 0 | SubjectToProxyTaxInd |
| Donor Advised Fund | 0 | DonorAdvisedFundInd |
| Conservation Easements | 0 | ConservationEasementsInd |
| Collections Of Art | 0 | CollectionsOfArtInd |
| Credit Counseling | 0 | CreditCounselingInd |
| Donor Rstr Or Quasi Endowments | 0 | DonorRstrOrQuasiEndowmentsInd |
| Report Land Building Equipment | Yes (1) | ReportLandBuildingEquipmentInd |
| Report Investments Other Sec | 0 | ReportInvestmentsOtherSecInd |
| Report Program Related Invst | 0 | ReportProgramRelatedInvstInd |
| Report Other Assets | 0 | ReportOtherAssetsInd |
| Report Other Liabilities | Yes (1) | ReportOtherLiabilitiesInd |
| Include FIN48 Footnote | 0 | IncludeFIN48FootnoteInd |
| Independent Audit Fincl Stmt | Yes (1) | IndependentAuditFinclStmtInd |
| Consolidated Audit Fincl Stmt | 0 | ConsolidatedAuditFinclStmtInd |
| School Operating | 0 | SchoolOperatingInd |
| Foreign Office | 0 | ForeignOfficeInd |
| Foreign Activities | 0 | ForeignActivitiesInd |
| More Than5000 K To Org | 0 | MoreThan5000KToOrgInd |
| More Than5000 K To Individuals | 0 | MoreThan5000KToIndividualsInd |
| Professional Fundraising | 0 | ProfessionalFundraisingInd |
| Fundraising Activities | 0 | FundraisingActivitiesInd |
| Gaming Activities | 0 | GamingActivitiesInd |
| Operate Hospital | 0 | OperateHospitalInd |
| Grants To Organizations | 0 | GrantsToOrganizationsInd |
| Grants To Individuals | 0 | GrantsToIndividualsInd |
| Schedule J Required | Yes (1) | ScheduleJRequiredInd |
| Tax Exempt Bonds | 0 | TaxExemptBondsInd |
| Loan Outstanding | 0 | LoanOutstandingInd |
| Grant To Related Person | 0 | GrantToRelatedPersonInd |
| Business Rln With Org Mem | 0 | BusinessRlnWithOrgMemInd |
| Business Rln With Fam Mem | 0 | BusinessRlnWithFamMemInd |
| Business Rln With35 Ctrl Ent | 0 | BusinessRlnWith35CtrlEntInd |
| Deductible Non Cash Contri | 0 | DeductibleNonCashContriInd |
| Deductible Art Contribution | 0 | DeductibleArtContributionInd |
| Terminate Operations | 0 | TerminateOperationsInd |
| Partial Liquidation | 0 | PartialLiquidationInd |
| Disregarded Entity | 0 | DisregardedEntityInd |
| Related Entity | 0 | RelatedEntityInd |
| Related Organization Ctrl Ent | 0 | RelatedOrganizationCtrlEntInd |
| Activities Conducted Prtshp | 0 | ActivitiesConductedPrtshpInd |
| Schedule O Required | Yes (1) | ScheduleORequiredInd |
| IRP Document | 14299 | IRPDocumentCnt |
| IRP Document W2 G | 0 | IRPDocumentW2GCnt |
| Backup Wthld Compliance | Yes (1) | BackupWthldComplianceInd |
| Employee | 143 | EmployeeCnt |
| Employment Tax Returns Filed | Yes (1) | EmploymentTaxReturnsFiledInd |
| Unrelated Bus Incm Over Limit | 0 | UnrelatedBusIncmOverLimitInd |
| Foreign Financial Account | 0 | ForeignFinancialAccountInd |
| Prohibited Tax Shelter Trans | 0 | ProhibitedTaxShelterTransInd |
| Taxable Party Notification | 0 | TaxablePartyNotificationInd |
| Nondeductible Contributions | 0 | NondeductibleContributionsInd |
| Indoor Tanning Services | 0 | IndoorTanningServicesInd |
| Subj To Tax Rmnrtn Ex Prcht Pymt | 0 | SubjToTaxRmnrtnExPrchtPymtInd |
| Subject To Excs Tax Net Invst Inc | 0 | SubjectToExcsTaxNetInvstIncInd |
| Info In Schedule O Part VI | Yes (X) | InfoInScheduleOPartVIInd |
| Governing Body Voting Members | 9 | GoverningBodyVotingMembersCnt |
| Independent Voting Member | 9 | IndependentVotingMemberCnt |
| Family Or Business Rln | 0 | FamilyOrBusinessRlnInd |
| Delegation Of Mgmt Duties | 0 | DelegationOfMgmtDutiesInd |
| Change To Org Documents | 0 | ChangeToOrgDocumentsInd |
| Material Diversion Or Misuse | 0 | MaterialDiversionOrMisuseInd |
| Members Or Stockholders | Yes (1) | MembersOrStockholdersInd |
| Election Of Board Members | Yes (1) | ElectionOfBoardMembersInd |
| Decisions Subject To Approva | Yes (1) | DecisionsSubjectToApprovaInd |
| Minutes Of Governing Body | Yes (1) | MinutesOfGoverningBodyInd |
| Minutes Of Committees | Yes (1) | MinutesOfCommitteesInd |
| Officer Mailing Address | 0 | OfficerMailingAddressInd |
| Local Chapters | Yes (1) | LocalChaptersInd |
| Policies Reference Chapters | Yes (1) | PoliciesReferenceChaptersInd |
| Form990 Provided To Gvrn Body | 0 | Form990ProvidedToGvrnBodyInd |
| Conflict Of Interest Policy | Yes (1) | ConflictOfInterestPolicyInd |
| Annual Disclosure Covered Prsn | Yes (1) | AnnualDisclosureCoveredPrsnInd |
| Regular Monitoring Enfrc | Yes (1) | RegularMonitoringEnfrcInd |
| Whistleblower Policy | Yes (1) | WhistleblowerPolicyInd |
| Document Retention Policy | Yes (1) | DocumentRetentionPolicyInd |
| Compensation Process CEO | Yes (1) | CompensationProcessCEOInd |
| Compensation Process Other | Yes (1) | CompensationProcessOtherInd |
| Investment In Joint Venture | 0 | InvestmentInJointVentureInd |
| Upon Request | Yes (X) | UponRequestInd |
Books In Care Of Detail BooksInCareOfDetail
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | BRIAN CEDERGREN | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Phone | 8152677700 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1350 W RENWICK ROAD | AddressLine1Txt |
| City | ROMEOVILLE | CityNm |
| State Abbreviation | IL | StateAbbreviationCd |
| ZIP | 60446 | ZIPCd |
Form990 Part VII Section A Form990PartVIISectionAGrp (14 entries)
| TitleTitleTxt | Average Hours Per WeekAverageHoursPerWeekRt | Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd | Reportable Comp From OrgReportableCompFromOrgAmt | Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt | Other CompensationOtherCompensationAmt | OfficerOfficerInd | Highest Compensated EmployeeHighestCompensatedEmployeeInd |
|---|---|---|---|---|---|---|---|
| PHIL BRANSHAW | |||||||
| BOARD MEMBER | 6.00 | Yes (X) | $0 | $0 | $0 | ||
| MARYANN EGIZIO | |||||||
| BOARD MEMBER | 6.00 | Yes (X) | $0 | $0 | $0 | ||
| DONALD KROK | |||||||
| BOARD MEMBER | 6.00 | Yes (X) | $0 | $0 | $0 | ||
| MATT THRAEN | |||||||
| BOARD MEMBER | 6.00 | Yes (X) | $0 | $0 | $0 | ||
| WILLIAM VROMAN | |||||||
| BOARD MEMBER | 6.00 | Yes (X) | $0 | $0 | $0 | ||
| DARYL KEENE | |||||||
| CHAIRMAN | 6.00 | Yes (X) | $0 | $0 | $0 | Yes (X) | |
| BRADFORD STACY | |||||||
| VICE CHAIRMAN | 6.00 | Yes (X) | $0 | $0 | $0 | Yes (X) | |
| MARTY MCGINNIS | |||||||
| SECRETARY | 6.00 | Yes (X) | $0 | $0 | $0 | Yes (X) | |
| JAMES MILLER | |||||||
| TREASURER | 6.00 | Yes (X) | $0 | $0 | $0 | Yes (X) | |
| BRIAN CEDERGREN | |||||||
| PRESIDENT/CEO | 50.00 | $349,209 | $0 | $132,265 | Yes (X) | ||
| PATRICIA LOCKE | |||||||
| EVP ADMINISTRATION | 50.00 | $185,887 | $0 | $34,573 | Yes (X) | ||
| KATHLEEN MONCEK | |||||||
| EVP OPERATIONS | 50.00 | $179,912 | $0 | $40,148 | Yes (X) | ||
| COLLEEN BROOKS | |||||||
| VP HR/RISK MANAGEMENT | 50.00 | $138,300 | $0 | $31,858 | Yes (X) | ||
| KIMBERLY NICHOLS | |||||||
| VP MARKETING/TRAINING | 50.00 | $106,742 | $0 | $33,548 | Yes (X) | ||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | $960,050 | TotalReportableCompFromOrgAmt |
| Tot Reportable Comp Rltd Org | $0 | TotReportableCompRltdOrgAmt |
| Total Other Compensation | $272,392 | TotalOtherCompensationAmt |
| Indiv Rcvd Greater Than100 K | 5 | IndivRcvdGreaterThan100KCnt |
| Former Ofcr Employees Listed | 0 | FormerOfcrEmployeesListedInd |
| Total Comp Greater Than150 K | Yes (1) | TotalCompGreaterThan150KInd |
| Compensation From Other Srcs | 0 | CompensationFromOtherSrcsInd |
Contractor Compensation ContractorCompensationGrp (3 entries)
| Address Line1ContractorAddress/USAddress/AddressLine1Txt | CityContractorAddress/USAddress/CityNm | State AbbreviationContractorAddress/USAddress/StateAbbreviationCd | ZIPContractorAddress/USAddress/ZIPCd | ServicesServicesDesc | CompensationCompensationAmt |
|---|---|---|---|---|---|
| FISERV INC | |||||
| 75 REMITTANCE DR STE 6974 | CHICAGO | IL | 60675 | DATA PROCESSING | $1,483,210 |
| CALL ONE | |||||
| PO BOX 76112 | CLEVELAND | OH | 44101 | PHONE SYSTEM | $247,366 |
| VISA INC | |||||
| 1655 GRANT STREET | CONCORD | CA | 94520 | CREDIT AND DEBIT CARDS | $146,337 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 3 | CntrctRcvdGreaterThan100KCnt |
Program Service Revenue ProgramServiceRevenueGrp (4 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt |
|---|---|---|---|
| INTEREST INCOME ON LOANS | 522100 | $10,475,685 | $10,475,685 |
| SERVICE FEES | 522100 | $2,471,479 | $2,471,479 |
| VISA INCOME | 522100 | $561,597 | $561,597 |
| SALE OF LOANS | 522100 | $319,193 | $319,193 |
Total Oth Program Service Rev TotalOthProgramServiceRevGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $378,331 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $378,331 | RelatedOrExemptFuncIncomeAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | $14,206,285 | TotalProgramServiceRevenueAmt |
Investment Income InvestmentIncomeGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $1,498,654 | TotalRevenueColumnAmt |
| Exclusion | $1,498,654 | ExclusionAmt |
Gross Amount Sales Assets GrossAmountSalesAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | $16,177 | SecuritiesAmt |
| Other | $46,933 | OtherAmt |
Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | $0 | SecuritiesAmt |
| Other | $40,000 | OtherAmt |
Gain Or Loss GainOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | $16,177 | SecuritiesAmt |
| Other | $6,933 | OtherAmt |
Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $23,110 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $6,933 | RelatedOrExemptFuncIncomeAmt |
| Exclusion | $16,177 | ExclusionAmt |
Total Revenue TotalRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $15,728,049 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $14,213,218 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $0 | UnrelatedBusinessRevenueAmt |
| Exclusion | $1,514,831 | ExclusionAmt |
Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,232,441 | TotalAmt |
Other Salaries And Wages OtherSalariesAndWagesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $4,189,310 | TotalAmt |
Pension Plan Contributions PensionPlanContributionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $120,106 | TotalAmt |
Other Employee Benefits OtherEmployeeBenefitsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $649,603 | TotalAmt |
Payroll Taxes PayrollTaxesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $373,271 | TotalAmt |
Fees For Services Legal FeesForServicesLegalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $3,121 | TotalAmt |
Fees For Services Accounting FeesForServicesAccountingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $41,000 | TotalAmt |
Fees For Services Other FeesForServicesOtherGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $270,664 | TotalAmt |
Advertising AdvertisingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $256,365 | TotalAmt |
Office Expenses OfficeExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $265,794 | TotalAmt |
Information Technology InformationTechnologyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,322,793 | TotalAmt |
Occupancy OccupancyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $780,313 | TotalAmt |
Travel TravelGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $94,666 | TotalAmt |
Conferences Meetings ConferencesMeetingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $114,880 | TotalAmt |
Depreciation Depletion DepreciationDepletionGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $390,004 | TotalAmt |
Insurance InsuranceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $86,730 | TotalAmt |
Other Expenses OtherExpensesGrp (4 entries)
| DescDesc | TotalTotalAmt |
|---|---|
| DIVIDENDS PAID TO MEMBE | $1,684,217 |
| PROVISION FOR LOAN LOSS | $991,000 |
| TRANSACTION FEES | $911,565 |
| LOAN SERVICING EXPENSE | $867,504 |
All Other Expenses AllOtherExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $147,843 | TotalAmt |
Total Functional Expenses TotalFunctionalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $14,793,190 | TotalAmt |
Cash Non Interest Bearing CashNonInterestBearingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,766,876 | BOYAmt |
| EOY | $2,052,349 | EOYAmt |
Savings And Temp Cash Invst SavingsAndTempCashInvstGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $11,720,397 | BOYAmt |
| EOY | $19,552,519 | EOYAmt |
Accounts Receivable AccountsReceivableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $725,581 | BOYAmt |
| EOY | $697,809 | EOYAmt |
Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $215,793,301 | BOYAmt |
| EOY | $227,519,830 | EOYAmt |
Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $645,377 | BOYAmt |
| EOY | $714,252 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Bldg Equip Cost Or Other Bss | $15,888,544 | LandBldgEquipCostOrOtherBssAmt |
| Land Bldg Equip Accum Deprec | $6,982,672 | LandBldgEquipAccumDeprecAmt |
Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $8,953,755 | BOYAmt |
| EOY | $8,905,872 | EOYAmt |
Investments Pub Traded Sec InvestmentsPubTradedSecGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $57,237,527 | BOYAmt |
| EOY | $44,604,961 | EOYAmt |
Investments Other Securities InvestmentsOtherSecuritiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $10,573,592 | BOYAmt |
| EOY | $8,572,592 | EOYAmt |
Other Assets Total OtherAssetsTotalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $11,448,552 | BOYAmt |
| EOY | $14,350,539 | EOYAmt |
Total Assets TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $318,864,958 | BOYAmt |
| EOY | $326,970,723 | EOYAmt |
Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | -$520,133 | BOYAmt |
| EOY | $1,589,108 | EOYAmt |
Escrow Account Liability EscrowAccountLiabilityGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $871,077 | BOYAmt |
| EOY | $986,433 | EOYAmt |
Other Liabilities OtherLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $288,184,843 | BOYAmt |
| EOY | $291,826,838 | EOYAmt |
Total Liabilities TotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $288,535,787 | BOYAmt |
| EOY | $294,402,379 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Org Does Not Follow FASB117 | Yes (X) | OrgDoesNotFollowFASB117Ind |
Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $30,329,171 | BOYAmt |
| EOY | $32,568,344 | EOYAmt |
Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $30,329,171 | BOYAmt |
| EOY | $32,568,344 | EOYAmt |
Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $318,864,958 | BOYAmt |
| EOY | $326,970,723 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part XI | Yes (X) | InfoInScheduleOPartXIInd |
| Reconcilation Revenue Expnss | $934,859 | ReconcilationRevenueExpnssAmt |
| Net Unrlzd Gains Losses Invst | $1,304,310 | NetUnrlzdGainsLossesInvstAmt |
| Other Changes In Net Assets | $4 | OtherChangesInNetAssetsAmt |
| Method Of Accounting Accrual | Yes (X) | MethodOfAccountingAccrualInd |
| Accountant Compile Or Review | 0 | AccountantCompileOrReviewInd |
| FS Audited | Yes (1) | FSAuditedInd |
FS Audited Basis FSAuditedBasisGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Separate Basis Fincl Stmt | Yes (X) | SeparateBasisFinclStmtInd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Audit Committee | Yes (1) | AuditCommitteeInd |
| Federal Grant Audit Required | 0 | FederalGrantAuditRequiredInd |
Schedule C IRS990ScheduleC
| Field | Value | IRS element (for citing) |
|---|---|---|
| Political Expenditures | $2,500 | PoliticalExpendituresAmt |
| Expended527 Activities | $2,500 | Expended527ActivitiesAmt |
| Total Exempt Function Expend | $2,500 | TotalExemptFunctionExpendAmt |
| Form1120 POL Filed | Yes (1) | Form1120POLFiledInd |
Section527 Political Org Section527PoliticalOrgGrp
Organization Business Name OrganizationBusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | CREDIT UNION POLITICAL ACTION COMMITTEE | BusinessNameLine1Txt |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1807 W DIEHL RD | AddressLine1Txt |
| City | NAPERVILLE | CityNm |
| State Abbreviation | IL | StateAbbreviationCd |
| ZIP | 60540 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 363092340 | EIN |
| Paid Internal Funds | $2,500 | PaidInternalFundsAmt |
| Contributions Rcvd Dlvr | $0 | ContributionsRcvdDlvrAmt |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | PART I-A, LINE 1: | FormAndLineReferenceDesc |
| Explanation | SUPPORT FOR THE ILLINOIS CREDIT UNION LEAGUE'S CREDIT UNION POLITICAL ACTION COMMITTEE (CUPAC). THE CREDIT UNION POLITICAL ACTION COUNCIL (CUPAC) IS A VOLUNTARY ASSOCIATION OF CREDIT UNION MEMBERS, CHAPTERS AND CREDIT UNIONS. IT IS NOT AFFILIATED WITH ANY ONE POLITICAL PARTY AND IS AN INDEPENDENT AND AUTONOMOUS ORGANIZATION NOT SUPPORTED BY LEAGUE DUES. CUPAC'S PURPOSE IS TO PROMOTE GOOD GOVERNMENT AND FAVORABLE LEGISLATION FOR CREDIT UNIONS THROUGH RAISING AND DISBURSING FUNDS TO CANDIDATES AND LEGISLATORS SYMPATHETIC TO THE CREDIT UNION MOVEMENT. CONTRIBUTIONS TO CUPAC ARE USED ALMOST EXCLUSIVELY TO SUPPORT CANDIDATES. | ExplanationTxt |
Schedule D IRS990ScheduleD
| Field | Value | IRS element (for citing) |
|---|---|---|
| Agent Trustee Etc | 0 | AgentTrusteeEtcInd |
| Incl Escrow Custodial Acct Liab | Yes (1) | InclEscrowCustodialAcctLiabInd |
| Explanation Provided | Yes (X) | ExplanationProvidedInd |
Land LandGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $2,979,772 | OtherCostOrOtherBasisAmt |
| Book Value | $2,979,772 | BookValueAmt |
Buildings BuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $8,997,269 | OtherCostOrOtherBasisAmt |
| Depreciation | $3,916,493 | DepreciationAmt |
| Book Value | $5,080,776 | BookValueAmt |
Leasehold Improvements LeaseholdImprovementsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $52,812 | OtherCostOrOtherBasisAmt |
| Depreciation | $6,444 | DepreciationAmt |
| Book Value | $46,368 | BookValueAmt |
Equipment EquipmentGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $3,549,903 | OtherCostOrOtherBasisAmt |
| Depreciation | $3,059,735 | DepreciationAmt |
| Book Value | $490,168 | BookValueAmt |
Other Land Buildings OtherLandBuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $308,788 | OtherCostOrOtherBasisAmt |
| Book Value | $308,788 | BookValueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Land Buildings | $8,905,872 | TotalBookValueLandBuildingsAmt |
Other Liabilities Org OtherLiabilitiesOrgGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | MEMBER DEPOSITS | Desc |
| Amt | $291,826,838 | Amt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Liability | $291,826,838 | TotalLiabilityAmt |
| Total Rev Etc Audited Fincl Stmt | $15,728,049 | TotalRevEtcAuditedFinclStmtAmt |
| Revenue Not Reported | $0 | RevenueNotReportedAmt |
| Revenue Subtotal | $15,728,049 | RevenueSubtotalAmt |
| Revenue Not Reported Fincl Stmt | $0 | RevenueNotReportedFinclStmtAmt |
| Total Revenue Per Form990 | $15,728,049 | TotalRevenuePerForm990Amt |
| Tot Expns Etc Audited Fincl Stmt | $14,793,190 | TotExpnsEtcAuditedFinclStmtAmt |
| Expenses Not Reported | $0 | ExpensesNotReportedAmt |
| Expenses Subtotal | $14,793,190 | ExpensesSubtotalAmt |
| Expenses Not Rpt Fincl Stmt | $0 | ExpensesNotRptFinclStmtAmt |
| Total Expenses Per Form990 | $14,793,190 | TotalExpensesPerForm990Amt |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | PART IV, LINE 2B: | FormAndLineReferenceDesc |
| Explanation | THE ORGANIZATION IS THE TRUSTEE OF CERTAIN MEMBER'S ESCROW FUNDS AND HAS FIDUCIARY RESPONSIBILITY FOR THE ADMINISTRATION AND DISTRIBUTION OF THESE FUNDS FOR MEMBERS OF THE ORGANIZATION. | ExplanationTxt |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Substantiation Required | Yes (1) | SubstantiationRequiredInd |
| Compensation Committee | Yes (X) | CompensationCommitteeInd |
| Independent Consultant | Yes (X) | IndependentConsultantInd |
| Board Or Committee Approval | Yes (X) | BoardOrCommitteeApprovalInd |
| Severance Payment | 0 | SeverancePaymentInd |
| Supplemental Nonqual Rtr Plan | Yes (1) | SupplementalNonqualRtrPlanInd |
| Equity Based Comp Arrngm | 0 | EquityBasedCompArrngmInd |
Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (4 entries)
| TitleTitleTxt | Base Compensation Filing OrgBaseCompensationFilingOrgAmt | Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt | Bonus Filing OrganizationBonusFilingOrganizationAmount | Bonus Related OrganizationsBonusRelatedOrganizationsAmt | Other Compensation Filing OrgOtherCompensationFilingOrgAmt | Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt | Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt | Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt | Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt | Total Compensation Filing OrgTotalCompensationFilingOrgAmt | Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt | Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt | Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| BRIAN CEDERGREN | ||||||||||||||
| PRESIDENT/CEO | $297,269 | $0 | $43,725 | $0 | $8,215 | $0 | $110,383 | $0 | $21,882 | $0 | $481,474 | $0 | $0 | $0 |
| PATRICIA LOCKE | ||||||||||||||
| EVP ADMINISTRATION | $170,347 | $0 | $14,000 | $0 | $1,540 | $0 | $13,981 | $0 | $20,592 | $0 | $220,460 | $0 | $0 | $0 |
| KATHLEEN MONCEK | ||||||||||||||
| EVP OPERATIONS | $163,648 | $0 | $14,000 | $0 | $2,264 | $0 | $13,981 | $0 | $26,167 | $0 | $220,060 | $0 | $0 | $0 |
| COLLEEN BROOKS | ||||||||||||||
| VP HR/RISK MANAGEMENT | $130,748 | $0 | $7,000 | $0 | $552 | $0 | $10,916 | $0 | $20,942 | $0 | $170,158 | $0 | $0 | $0 |
Supplemental Information Detail SupplementalInformationDetail (2 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| PART I, LINE 4B | BRIAN CEDERGREN PARTICIPATES IN A DEFERRED COMPENSATION PLAN (SERP). THE AMOUNT PAID IN THE CURRENT YEAR WAS $0. THE ACCRUED AMOUNT OF INCREMENTAL VALUE FOR 2019 WAS $88,591. |
| PART I, LINE 6 | ACCRUED PERFORMANCE BONUS FOR ALL EMPLOYEES CONTINGENT UPON THE ORGANIZATION ACHIEVING CERTAIN FINANCIAL AND NON-FINANCIAL GOALS. |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (8 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| FORM 990, PART VI, SECTION A, LINE 6 | MEMBERS CONSISTS OF THE FOLLOWING INDIVIDUALS: ANY EMPLOYEE OF ARGONNE NATIONAL LABORATORY; FERMI NATIONAL ACCELERATOR LABORATORY; INEEL (IDAHO); ANYONE WORKING AT THE IDAHO NATIONAL LABORATORIES; ANYONE WHO LIVES OR WORKS IN DUPAGE OR WILL COUNTIES, ILLINOIS OR THE PORTION OF COOK COUNTY THAT INCLUDES: BROADVIEW, BROOKFIELD, BURR RIDGE, COUNTRYSIDE, CRESTWOOD, HICKORY HILLS, HODGKINS, INDIAN HEAD PARK, LAGRANGE, LAGRANGE PARK, LEMONT, MIDLOTHIAN, NORTH RIVERSIDE, OAK FOREST, ORLAND HILLS, ORLAND PARK, PALOS HEIGHTS, PALOS HILLS, PALOS PARK, TINLEY PARK, WESTCHESTER, WESTERN SPRINGS, WILLOW SPRINGS OR WORTH WHO QUALIFIES AS A PERSON WITHIN THE COMMON BOND OF MEMBERSHIP AS SET FORTH IN THE CREDIT UNION'S ARTICLES OF INCORPORATION AND WHO, UPON ELECTION TO MEMBERSHIP, SUBSCRIBES TO ONE OR MORE SHARES AND PAYS THE INITIAL INSTALLMENT THEREON AND PAYS THE REQUIRED ENTRANCE FEE AND/OR MEMBERSHIP FEE, IF ANY, SHALL BECOME A MEMBER OF THIS CREDIT UNION. MEMBERSHIP SHALL BE LIMITED TO THE GROUP OF PEOPLE DEFINED ABOVE AND ANY RELATIVE BY BLOOD OR MARRIAGE AND FOSTER OR ADOPTED CHILDREN. SOCIETIES, ASSOCIATIONS, CLUBS, THE MAJORITY OF WHOSE MEMBERS ARE ELIGIBLE FOR CREDIT UNION MEMBERSHIP, PARTNERSHIPS IN WHICH THE MAJORITY OF THE PARTNERS ARE INDIVIDUALS WHO ARE ELIGIBLE FOR CREDIT UNION MEMBERSHIP, AND CORPORATIONS, THE MAJORITY OF WHOSE STOCKHOLDERS ARE INDIVIDUALS WHO ARE ELIGIBLE FOR CREDIT UNION MEMBERSHIP, MAY BE ADMITTED TO MEMBERSHIP IN THE CREDIT UNION IN THE SAME MANNER AND UNDER THE SAME CONDITIONS AS INDIVIDUALS, SUBJECT TO SUCH RULES AS THE DIRECTOR OF THE DEPARTMENT OF FINANCIAL INSTITUTIONS MAY PROMULGATE. EACH APPLICATION FOR MEMBERSHIP MUST BE IN WRITING ON A FORM APPROVED BY THE BOARD OF DIRECTORS, SIGNED BY THE APPLICANT, AND DATED. IN THE CASE OF ORGANIZATIONS, THE APPLICATION MUST BE SIGNED BY AN OFFICIAL OF THE ORGANIZATION. ALL APPLICATION FOR MEMBERSHIP MUST BE ACTED UPON BY THE MEMBERSHIP COMMITTEE. MAJORITY APPROVAL OF THE MEMBERSHIP COMMITTEE IS REQUIRED FOR ADMITTANCE TO MEMBERSHIP. |
| FORM 990, PART VI, SECTION A, LINE 7A | THE MEMBERS ELECT THE BOARD OF DIRECTORS AT AN ANNUAL MEETING. THE ANNUAL MEETING OF MEMBERS FOR THE ELECTION OF DIRECTORS AND THE TRANSACTION OF SUCH OTHER BUSINESS AS MAY PROPERLY COME BEFORE THE MEETING SHALL BE HELD AT A PLACE DESIGNATED BY THE BOARD OF DIRECTORS DURING THE MONTHS OF JANUARY, FEBRUARY, OR MARCH, OR SUCH OTHER MONTH AS MAY BE APPROVED BY THE DEPARTMENT OF FINANCIAL INSTITUTIONS. |
| FORM 990, PART VI, SECTION A, LINE 7B | APPROVAL BY MEMBERS IS NEEDED FOR MERGERS AND ANY CHANGES TO THE BYLAWS AT AN ANNUAL MEETING. |
| FORM 990, PART VI, SECTION B, LINE 11B | THE FORM 990 IS REVIEWED BY THE VP OF ACCOUNTING AND APPROVED BY PRESIDENT/CEO PRIOR TO SUBMISSION TO THE INTERNAL REVENUE SERVICE. |
| FORM 990, PART VI, SECTION B, LINE 12C | THE ORGANIZATION ADHERES TO AND ENFORCES THE CONFLICT OF INTEREST POLICY. CONFLICTS SHALL BE REPORTED AS FOLLOWS: EMPLOYEES REPORT TO THE PRESIDENT OR FOLLOW THE PROCEDURES PRESCRIBED IN THE HUMAN RESOURCES POLICY MANUAL. OTHERS REPORT TO THE BOARD CHAIR OR TO THE SUPERVISORY COMMITTEE CHAIR AT HIS/HER OPTION. BOARD MEMBERS ARE REQUIRED TO DISCLOSE TO THE SUPERVISORY COMMITTEE ANY ACTIVITIES OR RECOMMENDATIONS MADE TO ABRI CREDIT UNION MANAGEMENT THAT ARE INTENDED TO INFLUENCE OPERATIONAL MANAGEMENT DECISIONS. IF THERE IS ANY QUESTION OF CONFLICT OF INTEREST OR POTENTIAL IMPROPRIETY, THE BOARD MEMBER INITIATING MUST REFER IT TO THE SUPERVISORY COMMITTEE FOR RESOLUTION UNLESS THE CONFLICT INVOLVES BOARD MEMBERS OF THAT COMMITTEE. IN SUCH INSTANCE, THE ISSUE MUST BE REFERRED TO THE EXECUTIVE COMMITTEE, EXCLUDING MEMBERS OF THE SUPERVISORY COMMITTEE. THE EXECUTIVE COMMITTEE SHALL BE THE FINAL ARBITER AUTHORIZED TO JUDGE OR DECIDE ON THE MERITS OF ALL QUESTIONS OF CONFLICT OF INTEREST BUT SHALL ACT ONLY AFTER THE PERSON OR PERSONS INVOLVED HAVE HAD AN OPPORTUNITY TO BE HEARD. |
| FORM 990, PART VI, SECTION B, LINE 15 | THE ORGANIZATION HAS A CEO COMPENSATION COMMITTEE FOR THE BOARD THAT DETERMINES AND APPROVES THE COMPENSATION ANNUALLY. EVP COMPENSATION IS DETERMINED BY THE CEO AND THE VP'S ARE DETERMINED BY THE EVP'S IN CONJUNCTION WITH THE CEO AND VP OF HR. THE VP OF HR IS DETERMINED BY THE CEO. ALL STAFF SALARY GRADES AND RANGES ARE SET BY THE COMPEASE SYSTEM ADMINISTERED BY THE THIRD-PARTY MARKET RESEARCHER NOW KNOWN AS HRN PERFORMANCE SOLUTIONS. |
| FORM 990, PART VI, SECTION C, LINE 19 | THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE MADE AVAILABLE UPON REQUEST. |
| FORM 990, PART XI, LINE 9: | OTHER CHANGES IN NET ASSETS 4. |